Home Purchases

Come home to more mortgage options:

Purchasing a home is a big financial step. That's why we provide access to various mortgages that fit every budget and lifestyle.
Click here to check rates

Fixed-rate Mortgages
Budget with certainty with a rate that never changes over the life of your mortgage. The 30-year fixed option is our most popular mortgage, but we also offer other terms that allow you to pay your home off sooner.

Adjustable-rate Mortgages
Take advantage of a lower interest rate that's fixed for a set period of time before resetting annually. There are also annual and term cap limits that keep your rate from skyrocketing.

FHA and VA Financing
FHA and VA-insured mortgages offer buyers many benefits, including competitive interest rates, lower down payments, flexible debt and credit requirements and more.

Rate Guard Lock and Shop Program
Get peace of mind with our Rate Guard Lock and Shop Program (150-day lock with relock option while you shop for your new home).*

First Time Homebuyer Resources
These loan programs lower the barriers to homeownership, allowing more members to realize their dreams. We can help you determine whether it is better to buy or rent, figure out how much house you can afford and link you to special programs that can make home buying more affordable.

Not ready to apply, but still want more information? Complete our short online form and a real estate loan consultant will contact you within one day. You can also contact Deri Ross at (916) 802-7989 or Cheryl Toon at (916) 517-3140.

*The interest rate is locked for 90 days while the borrower shops for a home. The borrower must submit a home loan application and be approved by SCU. Once the borrower has obtained a fully executed contract, he/she can relock if rates are lower (one time during the processing period) or keep the 90-day rate if the current rate is the same or higher for 60 more days. All locks will be priced at the daily SCU published “Rate Guard” rates. SCU credit and underwriting guidelines apply. Rate Guard can be utilized for owner-occupied purchases only with a maximum loan-to-value of 80% and a maximum loan amount of $484,350. FHA, VA and Reverse Mortgage loans are ineligible for the Rate Guard program. This program is subject to change or cancellation without notice.