Home Loans

Cut your closing costs with a Free Appraisal

We'll cover the appraisal fee up to $7951, helping you save on upfront costs and making the home-buying process more affordable.

Why an SF Fire Home Loan?

Competitive
$995
Rates as low as
Close
Quickly

Get the mortgage you deserve — from a lender that’s been serving the community since 1951

If you’re ready to put down roots,  or refinance a home you already own, getting a home loan from SF Fire Credit Union makes a lot of sense. In addition to competitive rates, we have some of the lowest closing costs in the Bay Area. For a limited time, we're covering appraisal costs up to $7951

Plus, all lending decisions are made locally by experts who know the market. And because we are a not-for-profit organization, we can afford to offer better, more personalized service. We treat you like a person, not a number, and support you through a simple and transparent loan process. 

Types of home loans

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.

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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.

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JUMBO LOAN

If you're looking at a house that's more than $1,209,750, you'll need to apply for a Jumbo Loan, but there are still flexible options.

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REFINANCE YOUR HOME

Refinance without the hassle

Get a great deal with our low-fee, easy refinancing options. Find out how today.

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HOME EQUITY OPTIONS

Use the value of your home today

Looking for extra cash or debt consolidation? A home equity loan or line of credit can be the answer.

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Our Mortgage Rates

Rates are subject to change without notice.

Frequently Asked Questions

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FIRST-TIME HOMEBUYERS

Every first is a big deal

But a big deal doesn't have to mean big stress. Learn more about our loan options for first-time homebuyers.

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BUYING A HOME

Things to do before buying a home

Buying a home is an exciting time and a huge achievement. Before you buy that welcome mat, here are 11 things you should know and do.

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Let's Chat

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.

Call

(415) 674-4800
(888) 499-FIRE (3473)
Mon – Fri 7:00 AM – 7:00 PM
Sat 9:00AM - 5:00PM

 

Stop by a branch

Branch hours
Mon – Fri 9:30 AM – 5:30 PM
Saturday 10:00 AM – 2:00 PM

Find a Branch or ATM

 

  1. For single family residence (SFR) first mortgage purchase loan applications received from March 15, 2025 through April 30, 2025, SF Fire Credit Union will provide a credit towards loan closing costs for the cost of the appraisal up to $795, not to exceed the actual cost of the appraisal. Purchase contract must be dated between March 15, 2025 and April 30, 2025 and provide for a Close of Escrow date within 60 days of the Purchase Contract Acceptance Date. SF Fire Credit Union reserves the right to terminate this offer at any time without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval and other underwriting criteria. Other conditions and restrictions may apply. 
  2. 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.