The funds you need to buy your next home
Whether it is your first home or your next home, get the funds you need with a mortgage loan from SFCU. With low rates and flexible terms, it has never been easier to afford the home of your dreams!
Low Rates
Save money over the course of your loan with lower rates on fixed and variable loans compared to many other financial institutions.
Low Down Payment
You don't have to save 20%. Buy your home now with low down payment options available from SFCU.
Variety of Repayment Terms
Enjoy more control over your monthly and total payment with a wide variety of repayment terms available on mortgage loans.
Local Service
Get your loan from a lender who understands the local market. At SFCU, we don't transfer servicing to other lenders, so everything stays right here!
Rates
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Monthly Payment
Competitive rates make your dream home more affordable
Lower your monthly payment and spend less on interest with competitive rates on both fixed and variable term mortgage loans. We believe home ownership should be something everyone can achieve, that's why SFCU offers lower rates compared to many other financial institutions.
Your next home stays local, so your mortgage loan should too!
There's no place like home! That's why SFCU never transfers mortgage loan servicing to other lenders. When you get a mortgage loan from us, it stays right here. Our experienced reps can answer your questions and provide better insights because they're all local.
Free Home Buyer Counseling
From reviewing your credit history to understanding financing options, getting your financial house in order for a home purchase can feel overwhelming. Our partnership with GreenPath Financial Wellness sets you up for success. Caring, certified counselors are ready to understand your specific goals and challenges, and can help develop a plan to get you on firm financial footing as you look to purchase a home.
Build Trust
Visit your local SFCU branch to meet with those who handle your mortgage loan in-person. We're not some scary institution; we're your neighbors!
More Knowledgeable
Since all our reps are local, we can provide better insight about the local market and find you the best mortgage loan to fit your unique situation.
Everything In-House
We never transfer servicing to other institutions. If you have a question about your mortgage loan, just give us a call or stop in for a visit. We're always happy to answer your questions!
I had the easiest loan process in my life.
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1
Complete an application
Our friendly & professional mortgage reps will guide yo through the application process
-
2
Get approved
We'll crunch the numbers and let you know if you're approved.
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3
Buy your new home
Use the loan funds to purchase your next home!
Have a question? Get in touch with us
Your next home is within reach
With competitive rates and a variety of repayment options, home ownership has never been more accessible. Work with the local team at SFCU for a mortgage loan when it's time to purchase your next home.
Mortgage & Home Equity Rates
| Type of Loan | Term (Approx.) | APR | Example Monthly Payment |
|---|---|---|---|
|
1st Mortgage |
10 Yr |
7.000% |
$1,148.24 |
|
15 Yr |
7.250% |
$898.83 |
|
|
20 Yr |
7.500% |
$790.38 |
|
|
Vacation & 2nd Homes |
10 Yr |
9.750% |
$1,293.98 |
|
15 Yr |
10.000% |
$1,307.70 |
|
|
20 Yr |
10.250% |
$1,321.51 |
|
|
Bare Land Loan |
12 Yr |
13.750% |
$1,522.74 |
|
Mobile Home and Land |
10 Yr |
10.250% |
$1,321.51 |
|
15 Yr |
10.750% |
$1,105.40 |
|
|
20 Yr |
11.250% |
$1032.19 |
as of 2/7/23
¹ Monthly Payment Examples assume a loan amount of $100,000. Taxes and insurance premiums are not calculated into the example which could result in a higher monthly payment.
- All ARM products are based on a 30 year amortization
- 1st Mortgage, Owner occupied
- 80% of Purchase Price or Appraised Value whichever is less
- Greater than 80% LTV requires PMI Insurance
- Vacation Homes/2nd homes are .25% higher and require 20% down payment
- Manufactured Loans minimum down payment 20%, New Home only for ARM's; new and used available for fixed rates
- Escrow may be required
- One to four family primary residence; no commercial property
Adjustable Rate Mortgage rate and payment changes:
The rate indicated for adjustable rate mortgages is the initial rate and is subject to increase
For example; the 5/1 Year ARM will have a constant interest rate for the first five years. Adjustable rates may change annually based on an "Index".
Before each Change Date, we will calculate the new interest rate by adding the "Margin" to the "Current Index". The result will then be rounded to the nearest one-eighth of one percentage point (0.125%) which will be the new rate.
The rate may not adjust more than the "Max Rate change per Period" indicated above on each "Change Date". The total loan adjustment will not adjust more than the Lifetime Cap indicated above over the "Life time Change" of the loan.
NMLS# 609016
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Rates effective as of: September 19, 2024
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