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Lady leaning out of her car

Buy a home

Get the home and mortgage you deserve

Our great rates, local expertise, and member-first service make us the best choice for your mortgage

Apply for a Home Loan Check rates

Why an SF Fire Home Loan?

As low as	Low	Discounted
5%	Fees	Rate
down¹	and closing costs	options

As low as 5% down¹
Low Fees and closing costs
Discounted Rate options

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.

Talk to a Loan Consultant

Step 2:
Find your dream home

We have the tools and resources to help you get started.

Search for homes with our
HomeAdvantage Program

Step 3:
Apply for a loan

Want to dive in and get started? Click below.

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.

Learn more

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.

Learn more

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.

Learn more

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

Get help making the right choices

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

Say goodbye to credit card fees

Platinum Visa® credit card

Say goodbye to credit card fees

Get the card that cuts out the fees while giving you rewards, overdraft protection, and lower 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.

Call us

(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 9:30AM – 5:30PM
Saturday 10:00AM – 2:00PM

Find a Branch or ATM

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.