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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