First-time Homebuyer Resources
First-Time Buyer,
Full-Time Suppport.
Explore resources dedicated to
buying your first home.
Guidance You Can Trust
There's a first time for everything, including buying your first home. As a first-time homebuyer, navigating your local housing market and applying for your first mortgage can be a daunting process. Select an option below based on where you're at in the process:
I'm ready to talk with someone
Our Mortgage Loan Consultants specialize in helping you throughout the entire home lending process.
Calculate Your Mortgage Payment
By your side from start to finish.
Connect with one of our skilled Mortgage Loan Consultants today!
Ahnalee Andaya
Mortgage Loan Consultant
NMLS # 1846466
Mobile: (916) 508-7992
Email: aandaya@sactocu.org
Deri Ross
Mortgage Loan Consultant
NMLS # 361879
Mobile: (916) 802-7989
Email: dross@sactocu.org
Mortgage Contact Form
All SCU Home Loans Offer:
Fast Processing Icon
Fast Processing
We work quickly so you can focus on finding the perfect home.
Competitive Rates
Competitive Rates
Lower rates mean more savings — and more room in your budget for what matters most.
Lock Icon
Excellent Service
Our commitment to excellent service means we’re here when you need us most.
Explore Home Loan Content & Resources
Downpayment Assistance Programs
Don’t let saving for a down payment hold you back — discover resources designed to make homebuying easier.
View Current
Mortgage Rates
Sacramento Credit Union always offers highly competitive Mortgage rates for purchase and refinance.
Homebuyer
Hub
Find everything you need to buy your first home or your next. Explore tools, tips, and guidance all in one place.
Rates effective as of October 23, 2025.
Mortgage Purchase Rates
| Fixed-Rate Mortgages | |||
|---|---|---|---|
| Loan Type | Rates2 | APR1 | Points |
| 30-YEAR FIXED | 5.625% | 5.829% | 1.00 |
| 5.750% | 5.908% | 0.50 | |
| 20-YEAR FIXED | 5.500% | 5.772% | 1.00 |
| 5.625% | 5.836% | 0.50 | |
| 15-YEAR FIXED | 5.250% | 5.592% | 1.00 |
| 5.375% | 5.639% | 0.50 | |
| Adjustable Rate Mortgages 3 | |||
|---|---|---|---|
| Loan Type | Rates2 | APR1 | Points |
| 5/1 ARM | 5.500% | 5.656% | 0.5 |
| 5.625% | 5.735% | 0.0 | |
| Payment Examples > | |||
| 7/1 ARM | 5.500% | 5.656% | 0.5 |
| 5.625% | 5.735% | 0.0 | |
| Payment Examples > | |||
| 10/1 ARM | 5.875% | 6.034% | 0.5 |
| 6.000% | 6.113% | 0.0 | |
| Payment Examples > | |||
READ MORE >
¹Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (maximum loan amount is $806,500) are calculated based on a loan amount of $250,000 with closing costs of $3,000. Your actual APR may be different depending on these factors.
²Rate adjustment information
Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.
³The Index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index.” Your rate may be different than what is shown. Variable rate. APR and payment subject to increase after loan consummation. Rate is fixed for the first five, seven or 10 years, depending on program, and adjusts periodically thereafter based on a fully indexed rate. Floor rate = start rate. Treasury Indexed ARM interest and payment adjustment occurs every 12 months after the initial fixed rate period. Rate caps = 5% first adjustment cap, 2% annual adjustment, and 5% over the lifetime of the loan. Margin = 3%.
Please note that interest rates may change throughout the day. The rates above are SCU posted rates as of 8 AM each morning. For "up-to-the-minute rates," please call your mortgage loan originator or SCU member services at (916)444-6070.
¹Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (maximum loan amount is $806,500) are calculated based on a loan amount of $250,000 with closing costs of $3,000. Your actual APR may be different depending on these factors.
²Rate adjustment information
Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.
³The Index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index.” Your rate may be different than what is shown. Variable rate. APR and payment subject to increase after loan consummation. Rate is fixed for the first five, seven or 10 years, depending on program, and adjusts periodically thereafter based on a fully indexed rate. Floor rate = start rate. Treasury Indexed ARM interest and payment adjustment occurs every 12 months after the initial fixed rate period. Rate caps = 5% first adjustment cap, 2% annual adjustment, and 5% over the lifetime of the loan. Margin = 3%.
Please note that interest rates may change throughout the day. The rates above are SCU posted rates as of 8 AM each morning. For "up-to-the-minute rates," please call your mortgage loan originator or SCU member services at (916)444-6070.
Rates effective as of October 23, 2025.
Mortgage Refinance Rates
| Loan Type | Rates | APR1 | Points |
|---|---|---|---|
| 30-YEAR FIXED | 5.625% | 5.829% | 1.00 |
| 5.750% | 5.908% | 0.50 | |
| 5.875% | 5.987% | 0.00 | |
| 20-YEAR FIXED | 5.500% | 5.772% | 1.00 |
| 5.625% | 5.836% | 0.50 | |
| 5.750% | 5.899% | 0.00 | |
| 15-YEAR FIXED | 5.250% | 5.592% | 1.00 |
| 5.375% | 5.639% | 0.50 | |
| 5.500% | 5.686% | 0.00 |
READ MORE >
1 APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. All loans are subject to property valuation, limited to one-to-four family units located in the state of California, excludes manufactured and mobile homes. Other restrictions on the property may apply. Loans secured by your home other than your first mortgage must be paid at the time of account funding. Property insurance required. Flood insurance might be required. Borrower fee reimbursement: up to $750 fee reimbursement paid by the borrower if equity loan paid off or closed within the first 36 months.
1 APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. All loans are subject to property valuation, limited to one-to-four family units located in the state of California, excludes manufactured and mobile homes. Other restrictions on the property may apply. Loans secured by your home other than your first mortgage must be paid at the time of account funding. Property insurance required. Flood insurance might be required. Borrower fee reimbursement: up to $750 fee reimbursement paid by the borrower if equity loan paid off or closed within the first 36 months.
| Adjustable-Rate Mortgages3 | |||||
|---|---|---|---|---|---|
| Loan Type | Rates2 | APR1 | Points | Estimated Payment per $1,000 Borrowed | |
| 5/1 ARM | 5.500% | 5.656% | 0.5 | 1st 60 payments 61-360 payments | $5.68 $8.73 |
| 5.625% | 5.735% | 0.0 | 1st 60 payments 61-360 payments | $5.76 $8.83 |
|
| 7/1 ARM | 5.500% | 5.656% | 0.5 | 1st 84 payments 85-360 payments | $5.68 $8.54 |
| 5.625% | 5.735% | 0.0 | 1st 84 payments 85-360 payments | $5.76 $8.64 |
|
| 10/1 ARM | 5.875% | 6.034% | 0.5 | 1st 120 payments 121-360 payments | $5.92 $8.54 |
| 6.000% | 6.113% | 0.0 | 1st 120 payments 121-360 payments | $6.00 $8.64 |
READ MORE >
¹Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (maximum loan amount is $806,500) are calculated based on a loan amount of $250,000 with closing costs of $3,000. Your actual APR may be different depending on these factors.
²Rate adjustment information
Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.
³
1. The Index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index.” Your rate may be different than what is shown.
2. Variable rate. APR and payment subject to increase after loan consummation. Rate is fixed for the first five, seven or 10 years, depending on program, and adjusts periodically thereafter based on a fully indexed rate.
3. Floor rate = start rate. Treasury Indexed ARM interest and payment adjustment occurs every 12 months after the initial fixed rate period. Rate caps = 5% first adjustment cap, 2% annual adjustment, and 5% over the lifetime of the loan. Margin = 3%.
Please note that interest rates may change throughout the day. The rates above are SCU posted rates as of 8 AM each morning. For "up-to-the-minute rates," please call your mortgage loan originator or SCU member services at (916)444-6070.
¹Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (maximum loan amount is $806,500) are calculated based on a loan amount of $250,000 with closing costs of $3,000. Your actual APR may be different depending on these factors.
²Rate adjustment information
Interest rates shown are for informational purposes only and are based on a single-family detached, owner occupied property located in California, LTV of 60%, and a credit score of at least 740. Certain interest rate and/or discount point adjustments may apply depending on loan features, LTV and credit worthiness. Maximum loan-to-value (LTV) will vary by product. Additional restrictions and conditions may apply.
³
1. The Index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System. The most recent Index value available as of the date 45 days before each Change Date is called the "Current Index.” Your rate may be different than what is shown.
2. Variable rate. APR and payment subject to increase after loan consummation. Rate is fixed for the first five, seven or 10 years, depending on program, and adjusts periodically thereafter based on a fully indexed rate.
3. Floor rate = start rate. Treasury Indexed ARM interest and payment adjustment occurs every 12 months after the initial fixed rate period. Rate caps = 5% first adjustment cap, 2% annual adjustment, and 5% over the lifetime of the loan. Margin = 3%.
Please note that interest rates may change throughout the day. The rates above are SCU posted rates as of 8 AM each morning. For "up-to-the-minute rates," please call your mortgage loan originator or SCU member services at (916)444-6070.