First Mortgage and Refinancing

First Mortgage and Refinancing

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Get a free appraisal with your SCU home loan!* Limited time offer valid April 24 to June 30, 2017

Click here to view our current rates and begin the application process. Once on the Products page, please click "Get Started" on the left-hand menu to apply today.

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Considering a home purchase or refinance? Save big with a FREE appraisal from Sacramento Credit Union when you finance a new home or refinance an existing home loan from another financial institution. Enjoy competitive rates, personalized service and a streamlined loan process.

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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 30 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 and 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: then contact us.


Read our FAQs, get mortgage help or contact us for more information.

*Terms and conditions are subject to change without notice. Additional restrictions may apply. Subject to credit approval. Promotion applies to the purchase of a residential property or the refinance of a residential mortgage. Approved borrowers will receive a credit at the close of escrow for appraisal fees ($350 to $650 depending on type of loan and location of property). Maximum credit is $650. Offer expires June 30, 2017, and all transactions must close by August 30, 2017. FHA and VA loans are not eligible.