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First Mortgage Loans

We understand the importance of establishing roots in your California community and contributing to its improvement. SFPCU offers multiple first mortgage options to people who want to settle into a neighborhood and build their lives.

Our fixed-rate mortgages guarantee your rate and monthly payment for principal and interest will never change over the term of your mortgage. With an adjustable-rate mortgage, your interest rate stays fixed at a lower level for a period of time before adjusting based on a specific index.

SFPCU will work with you to determine which loan option best fits your needs. Welcome to the neighborhood!

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Features & Benefits

  • Competitive rates
  • Wide variety of terms, including fixed, adjustable, interest-only and more
  • No hidden fees or pre-payment penalties
  • Friendly and personal service
  • Loans available up to $1.5 million
  • Loans available up to 80% loan-to-value

Rates & Fees

Conventional First Mortgage - Conforming Fixed
Rates Effective: October 8, 2015
Fixed LoansRateAPR*Points
30 Year Fixed Conforming4.250% 4.295% 0.000%
20 Year Fixed Conforming3.875%3.932%0.000%
15 Year Fixed Conforming3.250%3.307%0.000%
10 Year Fixed Conforming3.125%3.179%0.000%
Conventional First Mortgage - Conforming ARM
Rates Effective: October 8, 2015
ARM LoansRateAPR* Points
3/1 ARM Treasury Conforming2.625%2.849%0.000%
3/1 ARM LIBOR Interest Only Conforming2.625%2.852%0.000%
5/1 ARM Treasury Conforming2.750%2.861%0.000%
5/1 ARM LIBOR Interest Only2.750%2.861%0.000%
7/1 ARM Treasury Conforming2.875%2.905%0.000%
7/1 ARM LIBOR Interest Only Conforming2.875%2.900%0.000%
Conventional First Mortgage - Jumbo Fixed
Rates Effective: October 8, 2015
Fixed Jumbo LoansRateAPR*Points
30 Year Fixed Jumbo4.375%4.413%0.000%
20 Year Fixed Jumbo4.125%4.164%0.000%
15 Year Fixed Jumbo3.500%3.555%0.000%
Conventional First Mortgage - Jumbo ARM
Rates Effective: October 8, 2015
ARM LoansRateAPR*Points
3/1 ARM Treasury Jumbo2.750%2.871%0.000%
3/1 ARM LIBOR Interest Only2.750%2.871%0.000%
5/1 ARM Treasury Jumbo2.875%2.899%0.000%
5/1 ARM LIBOR Interest Only Jumbo2.875%2.895%0.000%
7/1 ARM Treasury Jumbo3.000%3.040%0.000%
7/1 ARM LIBOR Interest Only Jumbo3.000%2.947%0.000%
ARM Indexes Conforming Loan Limits
Prime** 3.250% 1 - Unit $417,000.00
COFI 0.639% August 2015  2 - Unit $533,850.00
1-Year T 0.31% weekly 3 - Unit $645,300.00
  0.37% monthly 4 - Unit $801,950.00
1-Year LIBOR       0.840%       

*APR = Annual Percentage Rate. Example rate of 4.295% APR with 360 Monthly payments (30 year) = $494.58 monthly per $100,000 borrowed. The APRs listed are for illustrative purposes only; your actual APR may vary and will be determined when a credit decision is made. Adjustments may apply based upon credit history, occupancy, property type, loan-to-value percentage, and transaction type. No pre-payment penalty on early payoffs of loans. Rates, Terms and conditions are subject to change without notice.

Maximum combined Loan-to-value for owner-occupied properties is 80%. Maximum combined Loan-to-value for investment properties is 75%.

Investment Properties: For current rates & pricing, please contact our Financial Services Real Estate Officers at (415) 564-3800 or email us

**As of July 30, 2015, the Prime Rate is 3.25%.

Apply for an SFPCU First Mortgage Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

Financial Services for First Responders
  • Federally insured by the National Credit Union Administration
  • Equal Housing Opportunity
  • NMLS ID# 409710

APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

SFPCU proudly provides banking and loan solutions for police, firefighters, EMTs and other first responders and their families in CA and beyond. Member eligibility

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