Loan Programs

Loan programs to fit your life

Traditional Loans

Purchase, refinance, cash-out, home equity
Primary residences, 2nd homes, vacation homes, investment properties
Jumbo loans to $5,000,000 +
Conforming loans
Low down payments for conforming and jumbo loan amounts
Flexible underwriting
Cash-out available on all of the following: primary residence, 2nd home and investment properties
Extremely competitive rates on all products

Construction Loans

Owner occupied, 2nd home, 1-2 Units
7yrs, 10yrs, 30yrs (all 30yr loans)
No need to refinance upon completion of owner occupied build, loan rolls to permanent loan
Build ground up or larger remodel
Interest only during construction

Multifamily

Purchase
Refinance
No prepay penalties

VA/FHA Loans

Purchase, refi, cash-out
Minimal down payments
Extremely competitive rates

Nate Kuchera
1440 Rosecrans Ave
Manhattan Beach, CA 90266

Phone Numbers:
949.633.6464 | 949.253.5347

*APR = Annual Percentage Rate is variable and subject to change. This is Kinecta Federal Credit Union’s most recent published rate. **Mortgage loans from Kinecta Federal Credit Union are offered under Nationwide Multistate Licensing System (NMLS) #407870. Equal Housing Lender. ***Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. ****Fees, costs and monthly payment on your specific loan transaction may vary and could include additional fees and costs. For example, loans with LTVs in excess of 80% typically require mortgage insurance which will increase both your APR and monthly payment. 1Mortgage loans. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors and are subject to change. 2Equity loans and lines of credit. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors including Combined Loan-to-Value (CLTV) and are subject to change.

NateKuchera.com is not an official Kinecta company website. Website owned and operated by Nate Kuchera, an employee of Kinecta Federal Credit Union.