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

• Our Online Mortgage Center is packed with valuable information on buying or refinancing your home
• You can start your application by either applying online now, or by downloading PDFs of the application and mortgage package on our Mortgage Documentation page
• Check today’s rates
• Have questions? Contact us and a we’ll guide you through the process