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Home Loans

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.

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
  • Access to our Realtor Referral Affinity Program, which allows you to save money on your Bay Area real estate purchase

Getting Started

  • Accessibility
  • 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 including checking accounts, credit cards, auto loans and more for police, firefighters, EMTs and other first responders and law enforcement and their families in the Bay Area and beyond. Visit us at one of our branches in San Francisco, Pleasanton, San Mateo or Oakland, CA or check if you are eligible for membership and apply online today.

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