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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: March 4, 2015

Fixed Loans	Rate	APR*	Points
30 Year Fixed Conforming	4.250%	4.295%	0.000%
	4.000%	4.126%	1.000%
20 Year Fixed Conforming	3.875%	3.932%	0.000%
	3.625%	3.794%	1.000%
15 Year Fixed Conforming	3.250%	3.307%	0.000%
	3.000%	3.199%	1.000%
10 Year Fixed Conforming	3.125%	3.179%	0.000%
30/7 Balloon Conforming	3.000%	3.019%	0.000%

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Conventional First Mortgage - Conforming ARM

Rates Effective: March 4, 2015

ARM Loans	Rate	APR*	Points
3/1 ARM Treasury Conforming	2.625%	2.849%	0.000%
3/1 ARM LIBOR Interest Only Conforming	2.625%	2.852%	0.000%
5/1 ARM Treasury Conforming	2.750%	2.861%	0.000%
5/1 ARM LIBOR Interest Only	2.750%	2.861%	0.000%
7/1 ARM Treasury Conforming	2.875%	2.905%	0.000%
7/1 ARM LIBOR Interest Only Conforming	2.875%	2.900%	0.000%

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Conventional First Mortgage - Jumbo Fixed

Rates Effective: March 4, 2015

Fixed Jumbo Loans	Rate	APR*	Points
30 Year Fixed Jumbo	4.375%	4.413%	0.000%
	4.125%	4.245%	1.000%
20 Year Fixed Jumbo	4.125%	4.164%	0.000%
15 Year Fixed Jumbo	3.500%	3.555%	0.000%
	3.250%	3.448%	1.000%

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Conventional First Mortgage - Jumbo ARM

Rates Effective: March 4, 2015

ARM Loans	Rate	APR*	Points
3/1 ARM Treasury Jumbo	2.750%	2.871%	0.000%
3/1 ARM LIBOR Interest Only	2.750%	2.871%	0.000%
5/1 ARM Treasury Jumbo	2.875%	2.899%	0.000%
5/1 ARM LIBOR Interest Only Jumbo	2.875%	2.895%	0.000%
7/1 ARM Treasury Jumbo	3.000%	3.040%	0.000%
7/1 ARM LIBOR Interest Only Jumbo	3.000%	2.947%	0.000%

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ARM Indexes		Conforming Loan Limits
Prime**	3.250%	1 - Unit	$417,000.00
COFI	0.698% January 2015	2 - Unit	$533,850.00
1-Year T	0.22% weekly	3 - Unit	$645,300.00
	0.22% monthly	4 - Unit	$801,950.00
1-Year LIBOR	0.677%

*APR = Annual Percentage Rate. Example rate of 4.500% APR with 360 Monthly payments (30 year) = $506.69 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 mortgages@sfpcu.org.

**As of July 30, 2014, 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.