Purchase or Refinance Your Home
Sacramento Credit Union's mortgage rates and streamlined loan process make it easy and more affordable to get your home loan. Whether you're purchasing a home or refinancing your existing home, we have programs to meet your needs! Contact us or read below for learn about the Home Affordable Refinance Program (HARP) and FHA Streamline loans.
View Today's Rates.
Fixed Rate Mortgages: Fixed Rate Mortgage offers the benefit of predictability and consistency, giving you a locked-in rate for the term of your loan. Available in several repayment terms up to 40 years.
Adjustable Rate Mortgages: An Adjustable Rate Mortgage begins with a lower initial rate and payment, and gradually increases or decreases with market rates on an annual basis. Our ARMs are guarded by annual and loan-term cap limits.
First Time Buyers' Programs: First Time Buyers' Programs are special loan programs designed to make home ownership a reality for buyers in a variety of circumstances.
FHA Financing: FHA Financing is available at SCU to help you save money on your home loan by allowing you to reduce the interest rate on your current home loan quickly; oftentimes without an appraisal. FHA Streamlined Refinance also cuts down on the amount of paperwork that must be completed saving you valuable time and money. To qualify, your original home loan must be an FHA loan in good standing and the refinance must lower your monthly interest payments. You may be eligible if you have an FHA loan are in good financial standing with no significant debt.
Home Affordable Refinance Program (HARP): If your home loan is owned or guaranteed by Fannie Mae, you may be eligible to refinance your mortgage with the Home Affordable Refinance Program. HARP requirements were recently expanded to help even more borrowers by opening the program to those who owe more than the current value of their homes. Take the first step to determine your eligibility by visiting: www.fanniemae.com/loanlookup then contact us.