Will & Kristin, proud puppy parents.
As Low as
5%
Low
Fees
Discounted
Rate
Refinance and Get the Mortgage You Deserve
If you're looking to save money on your mortgage, our great rates and member-first service make us the best choice for refinancing your mortgage.
But remember, refinancing your mortgage is a process that takes just as much time and effort as applying for one in the first place, so you shouldn't make the decision lightly.
4 Things to Consider
Interest Rates
Reducing your monthly mortgage payments by securing a lower interest rate than your current loan is a good reason to refinance.
Generally speaking, if your current rate is 1% higher than market rates, you should consider refinancing
Break Even Point
This is the point in time when you will actually start to save money, the point in time after you've recovered the money you spent in refinance costs.
Ideally, your break-even point will be within two years of your refinance date.
Equity in Your Home
If the down payment you made when you purchased your home was less than 20%, your monthly mortgage payments include Private Mortgage Insurance (PMI).
However, if you've built up enough home equity to cover that 20%, you can eliminate PMI and reduce your monthly payments.
Your Credit Score
One of the first things you should do before considering a refinance is to check your credit score.
Your FICO credit score weighs heavily in determining the interest rate you qualify for. If you've improved your score since you took out your mortgage, you may qualify for a lower interest rate.
How it works
Step 1:
Get prequalified
Thinking about buying a home? Get pre-qualified to expedite the process.
Step 2:
Find your dream home
We have the tools and resources to help you get started.
Flat Fee Services
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 suprises to your budget. Find out if it's right for you.
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.
Jumbo Home Loans
If you're looking at a house that's more than $970,800, you'll need to apply for a Jumbo Loan.Â
Mortgage Loan Consultants
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.
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SF Fire Credit Union lending practices
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.
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
Tony and Lisa, SF Natives.
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
Liz, proud Bay Area Native.
PLATINUM VISA CREDIT CARD
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Get the card that cuts out fees while giving you rewards, overdraft protection, and leading rates.
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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.
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Branch hours
Mon – Fri 9:30 AM – 5:30 PM
Saturday 10:00 AM – 2:00 PM
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- 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.
