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

BUY OR REFINANCE 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.

Why an SF Fire Home Loan?

As Low As
5%
Low
Fees
Discounted
Rate

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.

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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 for Owner-Occupied Single Family Dwellings

We have a $995 flat fee 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.
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
Tony and Lisa, SF Natives.
Putting their family first since 1991.
Liz, proud Bay Area Native.
Putting her first since 2013.
PLATINUM VISA CREDIT CARD

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.

Call or Chat

(415) 674-4800
(888) 499-FIRE (3473)
Mon – Sat 7:00 AM – 8:00 PM*

*Please note that 'After Hours Phone Support' is available outside of regular Contact Center Hours.

Chat Now

Stop by a branch

Branch hours
Mon – Fri 8:30 AM – 6:00 PM
Saturday 8:30 AM – 3:00 PM

Find a Branch or ATM

Flat Fee Services are available for California properties only. Flat fee does not include title and escrow fees. Appraisal fee will be collected up front during the loan application process. Appraisal deposit is credited towards closing costs at funding. Appraisal deposits may by refunded if the loan 1. doesn't fund or 2. is cancelled (withdrawn) before an appraisal is ordered. Appraisal costs may vary based on property and transaction type.