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


Get the home and mortgage you deserve

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

Why an SF Fire Home Loan?

As Low As

Go ahead, buy that welcome mat. When you buy or refinance 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 San Francisco, San Mateo, and Marin County markets. They'll treat you like a person, not a number, and help open the door to your dream home.

Our online tools make it easy to research your home loan options, and find the mortgage that's right for you.

You can use them to:


Apply for a Loan

Apply for a loan for properties in California.

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Review Loan Options

Learn about different loan options, rates, & fees to find out what works best for your needs.

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Check & Track Rates

Create customized quotes based on your loan details.

Check Rates

Calculate Loan Payments

Calculate your loan payments so you can plan ahead.

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Check the Status of a Pending Loan

Quickly check the status of your pending home loan.

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Learn About Home Buying and Resources

When you're ready to buy or refinance your home, learn about your options and resources.

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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

Discover More

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

Things to do before buying a home

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.

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Tony and Lisa, SF Natives.
Putting their family first since 1991.
Brie, world traveler.
Putting her first since 1994.
Home Loans for new buyers

Own your first home

We're here to help with everything from home ownership education, experienced loan professionals, and first-time home loan options.

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Brie, world traveler.
Putting her first since 1994.

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.