As Low as
5%
Low
Fees
Discounted
Rate
Go Ahead, Buy That Welcome Mat
When you buy a home with SF Fire Credit Union, you'll get attractive rates and fees that fit your long-term goals. We offer flexible down payment options (as low as 5%1) so you don't have to save for as many years.
Our dedicated team of mortgage experts understand the unique challenges of the Bay Area real estate market and will support you from pre-approval to closing.
How it works
Step 1:
Get preapproved
Thinking about buying a home? Get preapproved to expedite the process.
Step 2:
Find your dream home
We have the tools and resources to help you get started.
Flat Fee Services for Owner-Occupied Single Family Dwellings
We have a $995 flat fee2 for fixed rate or adjustable mortgages
Flat Fee Services Include:
- Credit Report Fee
- Flood Certificate Fee
- Tax Service Fee
- Document Prep Fee
- Processing Fee
- Underwriting Fee
Flat Fee Services Do Not Include:
- Appraisal
- Appraisal Rush Fee (to expedite appraisal order)
- Title Policy
- Title Courier Fee
- Title Notary Fee
- Title Settlement & Escrow Fee
- Home Owners Association Certificate Fee (for condominium properties)
- Fees/Policies not exclusively listed under Flat Fee Services
Choose the home loan that's right for you
Fixed-rate Mortgage
A Fixed-Rate Mortgage lets you make the same monthly payment for the life of your mortgage, so there's no surprises to your budget. Find out if it's right for you.
Adjustable-Rate Mortgage
An Adjustable-Rate Mortgage (ARM) could save you money initially. But they don't offer the same stability as a Fixed-Rate Mortgage. Find out if an Adjustable-Rate Mortgage is right for you.
Jumbo Home Loans
If you're looking at a house that's more than $1,209,750 you'll need to apply for a Jumbo Loan.Â
Mortgage Loan Consultants
Meet Our Team
Our home loan experts have decades of experience, understand the local market, and can give you attractive rates and packages that meet your needs.
We treat you like a person, not a number, and support you through a simple and transparent loan process.
SF Fire Credit Union lending practices
We are a Bay Area-based organization that always puts our members, and the community, first. Which is why we choose not to make sub-prime loans. They are much riskier for both lenders and borrowers. Examples of sub-prime loans include Alt-A, Stated Income, and NegAm.
We have always followed strict underwriting criteria that meet the guidelines set by Fannie Mae. This policy helps us to protect the financial well-being of our members, the Bay Area, and the broader community.
Equal Housing Lender
SF Fire Credit Union is an equal housing lender. We act in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Find out more here.
Discover More
Tony and Lisa, SF Natives.
HOMEBUYING RESOURCES
Get help making the right choices
Buying a home can be confusing. Our resources can help you get clear on what's right for you.
Learn More
Liz, proud Bay Area Native.
PLATINUM VISA CREDIT CARD
Say goodbye to credit card fees
Get the card that cuts out fees while giving you rewards, overdraft protection, and leading rates.
Learn More
Let's Talk
As a local credit union, we measure our success one member at a time. We want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.
Stop by a branch
Branch hours
Mon – Fri 9:30 AM – 5:30 PM
Saturday 10:00 AM – 2:00 PM
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- California properties only. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV) with monthly premiums paid by borrower.
Based on a loan for an owner-occupied (primary residence), single family dwelling, 5% down, 30-year, $600,000 conforming mortgage with zero points and a fixed rate of 6.375% (APR 6.704%), the monthly payment is $3,961.22. The monthly payment includes principal, interest and PMI premium, but does not include amounts for taxes and insurance (other than PMI).  Your actual payment will be higher if an escrow account is established or required. The rate may vary depending on each individual’s credit history and underwriting factors, including loan to value. Not all applicants will qualify. Programs, rates, terms, and conditions are subject to change without notice. This example is for informational purposes only. Other restrictions may apply.
- Flat Fee Services include fees for credit reports, flood certificate, tax service, document prep, processing and underwriting. Flat Fee Services do not include appraisal, title or escrow fees or other fees not exclusively listed under Flat Fee Services. Appraisal fees will be collected prior to an appraisal being ordered and are not refundable once the appraisal has been started. Appraisal, title, escrows and other costs not exclusively listed under Flat Fee Services vary based on property and transaction type.
