First Mortgage Loans
Purchase or refinance options with rates as low as 2.990%/3.019% APR!
SafeAmerica can help you purchase your dream home or refinance your existing mortgage.
Whether you're in the market to purchase or refinance a home, we have the loan you need at the rate you want. Our friendly mortgage loan officers are here to help, every step of the way.
First Mortgage Loans
- Current rates as low as 2.990%/3.019% APR for 30-year fixed
- Purchase or refinance options
- No rate increase for jumbo, refinance or cash-out refinance
- Competitive rates on 10, 15, 20, or 30-year terms
- Conforming and jumbo loans
- No points
- No prepayment penalties
Find out which loan program is right for you. To get started, click below or, feel free to call us at (800) 972-0999 to speak with a mortgage specialist.
Specialty Mortgage Loans
We also offer specialty loan programs such as Adjustable Rate Mortgages, First-Time Home Buyer, non-owner occupied, low down payment, FHA, VA and more through our mortgage partner, CU Homeland/American Pacific Mortgage.*
For more information about these specialty loans and current rates, click here.
Rates
| First Mortgage Loan Rates Rates as of 10-1-21 | |||
|---|---|---|---|
| Type | Program | Interest Rate | APR1 |
| 30-year Fixed | Conforming | 2.990% | 3.019% |
| 30-year Fixed | Jumbo | 2.990% | 3.010% |
| 20-year Fixed | Conforming | 2.750% | 2.790% |
| 20-year Fixed | Jumbo | 2.750% | 2.778% |
| 15-year Fixed | Conforming | 2.500% | 2.550% |
| 15-year Fixed | Jumbo | 2.500% | 2.534% |
| 10-year Fixed | Conforming | 2.500% | 2.577% |
| For more options and current rates, please call (800) 972-0999 or email realestate@safeamerica.com to speak with a mortgage specialist. | |||
APR (Annual Percentage Rate) subject to change without notice. Actual APR offered may differ depending on a variety of underwriting criteria. All loans require SafeAmerica Credit Union membership in good standing and are subject to credit approval.
1 Rates valid up to 80% loan-to-value (LTV) for primary residence. Owner occupied single family residences in California only. Max loan amount $2,000,000. Rates subject to change daily. For a 30 year loan at 2.99%, pay $4.21 per month per $1,000 borrowed, for a 20 year loan at 2.75% pay $5.43 per month per $1,000 borrowed, for a 15 year loan at 2.50% pay $6.66 per month per $1,000 borrowed, and for a 10 year loan at 2.50% pay $9.41 per month per month $1,000 borrowed. Conforming limit will varies depending upon the County in California in which the single family residence is located. $822,375 represents the conforming loan limit for Alameda County. Your county may be lower.
| Specialty Mortgage Loan Rates | |||
|---|---|---|---|
| For current rates and more details about our specialty mortgage loan programs offered through our mortgage partner CU Homeland/American Pacific Mortgage, click here . |
First Mortgage
- Competitive Rates
- Flexible Terms
- Multiple loan programs
- Mortgage Calculator »
*Special loan programs such as VA and FHA loans are provided through our mortgage partner, CU Homeland. Ask a representative for details.
