Go Ahead, Buy That Welcome Mat
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.
Our experienced loan professionals understand the unique challenges of the Bay Area real estate market. They'll treat you like a person, not a number, and help open the door to your dream home.
How it works
Thinking about buying a home? Get pre-qualified to expedite the process.
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 fee 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 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
A Fixed-Rate Mortgage lets you make the same monthly payment for the life of your mortgage, so there's no suprises to your budget. Find out if it's right for you.
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.
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. A sub-prime loan is a loan that does not meet Fannie Mae or Freddie Mac guidelines. 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 and Freddie Mac. 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.
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.
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 by 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.