First Mortgage and Refinancing

First Mortgage and Refinancing

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Use the button below 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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Save more on your home loan when you finance with Sacramento Credit Union. 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 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 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.


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