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Patelco Home Loans

At Patelco, we are dedicated to assisting you with all of your home financing needs. Whether you are financing a new home, refinancing, or obtaining a line of credit, we provide quick approvals, competitive rates, and speedy closings. We offer a variety of options designed to fit almost any situation, including Conforming and Jumbo programs with fixed or adjustable rates. Our online application takes just minutes to start, so you can begin the process right away. Click on 'Apply now' to get started!

Patelco also offers a variety of Government insured loan programs, including FHA, VA, and USDA. Government insured loans can be good options for borrowers who have less money for a down payment, or have had trouble qualifying for a traditional mortgage. Please contact me if you'd like to learn more about these additional options.

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The quotes below are only a purchase sample of the wide variety of loan programs and rates available. Please visit the Rates & Services section of our site and use Check Rates to view a variety of loan programs and rates applicable to your financing needs.

Today's Rates
Today's loan rates
7/1 Jumbo ARM
Interest Rate6.625%Discount Points-0.125APR6.937%Payment Amount$9,605
10/1 Jumbo ARM
Interest Rate6.750%Discount Points-0.125APR6.930%Payment Amount$9,729
30 Year Fixed
Interest Rate7.125%Discount Points0APR7.160%Payment Amount$4,893

Meet Your Loan Officer


Manny Johal

Patelco Home Loan Consultant

NMLS ID # 728828
Phone:  510.409.0935
Fax:  925.227.6390
Address:  3 Park Place
  Dublin, CA 94568

Manny has more than 25 years of experience working for small to large sized banks on all aspects of home lending. He's found a happy medium as a Home Loan Consultant for Patelco, where our member-first approach lets him focus on what's right for each individual client and their financial well-being.

He enjoys explaining the intricate details of the lending process and finds joy in helping homeowners with one of the biggest financial decisions of their life. He specializes in jumbo financing and works with many first-time buyers. In his spare time, you can find him gardening, working on cars or watching soccer.

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