Why buy a home
A home is more than a house — it’s an investment in your future. Learn about the benefits of home ownership, from property value appreciation to major tax deductions2.
Whether you’re a first-time homebuyer or are still searching, we’ve got your back. We’re here to help with everything from homeownership education, experienced loan professionals, and first-time home loan options with attractive rates and terms. We cut closing costs with a flat fee of $9951 , which covers key services like credit reports, flood certification, tax service, document prep, processing, and underwriting so you know exactly what you’re paying for.
No hidden fees. Simple. Transparent. Upfront.
Learning about the financial benefits of home ownership may help the process seem less intimidating, more rewarding.
A home is more than a house — it’s an investment in your future. Learn about the benefits of home ownership, from property value appreciation to major tax deductions2.
There’s more to buying a home than just good credit and saving for a down payment. Learn how your financial past, present, and future should all factor into your plans.
Download our financial education app, Zogo, to get the tools you need to buy or refinance your home.
Home Loan Calculators:
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.
A lot of first-time home buyers make the same mistakes. So, before you buy that welcome mat, here are 7 things to avoid when buying your first home.
Tired of renting? Learn about the steps to buying a house in the Bay Area, how long it takes, and how to speed up the process.
We are a Bay Area-based organization that chooses 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.
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.
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.
Learn all about the home buying process, from getting pre-approved to closing on a house.
We take the stress out of home loans, and our loan officers can help you decide which loan best meets your needs.
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-Fri 7:00 AM – 7:00 PM
Sat 9:00AM - 5:00PM
Branch hours
Mon-Fri 9:30AM – 5:30PM
Saturday 10:00AM – 2:00PM
California properties only. 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.