Tony and Lisa, SF Natives.
Putting them first since 199

Home Loans

Home loans that feel like home

Whether you are buying or refinancing a home, we're here to help.

Why an SF Fire Home Loan?

Rates as low as

Get the Mortgage You Deserve


Our home loan experts 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. 

Types of home loans


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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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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If you're looking at a house that's more than $1,089,300, you'll need to apply for a Jumbo Loan, but there are still flexible options.

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Refinance without the hassle

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

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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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Kundan, Bay Area artist.
Putting her first since 2016.

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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Kundan, Bay Area artist.
Putting her first since 2016.
Ulysses & Steven, horse & rider.
Putting them first since 2015.

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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Ulysses & Steven, horse & rider.
Putting them first since 2015.

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.


(415) 674-4800
(888) 499-FIRE (3473)
Mon – Sat 7:00 AM – 8:00 PM


Stop by a branch

Branch hours
Mon – Fri 8:30 AM – 6:00 PM
Saturday 8:30 AM – 3:00 PM

Find a Branch or ATM

  1. Flat Fee Services are available for California properties only and do not apply to FHS. Flat fee does not include title and escrow fees. Appraisal fee will be collected up front during the loan application process. Appraisal deposit is credited towards closing costs at funding. Appraisal deposits may be refunded if the loan 1. doesn't fund or 2. is cancelled (withdrawn) before an appraisal is ordered. Appraisal costs may vary based on property and transaction type