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
*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 firstname.lastname@example.org.
**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.