Will & Kristin, proud puppy parents.
Putting them first since 2005


Get the home and 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.

Why Refinance with SF Fire?

As Low as

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.

Talk to a Loan Officer

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.

Apply Now

Flat Fee Services

We have a $995 flat fee1 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.

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 $970,800, you'll need to apply for a Jumbo Loan. 

Learn More

Mortgage Loan Officers

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.

Meet the Team

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.

Discover More

Tony and Lisa, SF Natives.
Putting their family first since 1991.

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
Tony and Lisa, SF Natives.
Putting their family first since 1991.
Liz, proud Bay Area Native.
Putting her first since 2013.

Say goodbye to credit card fees

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

Learn More
Liz, proud Bay Area Native.
Putting her first since 2013.

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.


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

Find a Branch or ATM


1Flat 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.