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Home Loans

VA & FHA Loans

SFPCU supports homeownership as a key element to building healthy, productive communities in California and beyond. That’s why we partner with CUPartners to provide additional loan options such as Federal Housing Authority (FHA) Loans and Veterans Affairs (VA) Loans to our members.

VA Mortgage Loans are guaranteed by the Department of Veterans Affairs and available to veterans, current military personnel, and the surviving spouses of military personnel. FHA Mortgage Loans are backed by the federal government and feature easier qualifying options for purchasing a home or refinancing to a lower interest rate.

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VA Loan Features & Benefits

  • 100% financing available in most cases
  • No monthly mortgage insurance to pay
  • Low fixed rates available
  • Low closing costs
  • Eligible participants include: veterans, current members of all branches of the military, and surviving spouses of military personnel

FHA Loan Features & Benefits

  • Down payment of gift funds acceptable
  • More flexibility in qualifying
  • Low fixed rates available
  • Non-occupant co-borrower is allowed
  • No prepayment penalty

  • 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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