Home Loans
A mortgage loan option to fit your lifestyle
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Contact SafeAmerica with Your Real Estate Needs
SafeAmerica can help you buy your dream home or refinance your existing mortgage.
Buying a Home or Refinancing
Get the best rate for your mortgage. SafeAmerica will help you with the process of buying your home. Start the process by getting pre-approved before you start looking so you know what you can afford.
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| First Mortgage Loan Rates Rates as of 5-15-17 | |||
|---|---|---|---|
| Type | Maximum Amount | Interest Rate | APR1 |
| 30-year Fixed Conforming | $625,500* | 3.500% | 3.533% |
| 20-year Fixed Conforming | $625,500* | 3.625% | 3.669% |
| 20-year Fixed Jumbo | $2,000,000 | 3.625% | 3.669% |
| 15-year Fixed Conforming | $625,500* | 3.250% | 3.300% |
| 15-year Fixed Jumbo | $2,000,000 | 3.250% | 3.300% |
| 10-year Fixed Conforming | $625,500* | 3.125% | 3.203% |
1 Our First mortgage product has rates and payments that are fixed for the life of the loan. Payment samples: For a 30-year loan at 4.25%, pay $4.91 per month per $1,000.00; for a 20-year loan at 3.625%, pay $5.86 per month per $1,000.00; for a 15-year loan at 3.375%, pay $7.09 per month per $1,000.00 borrowed. See our payment calculator for more payment samples. SafeAmerica does not charge points.
* Conforming loan maximum limits vary by county. Your county may be lower. $625,500 represents the conforming loan limit for Alameda County.
Fixed Second Mortgage
Get a lower rate with a SafeAmerica home loan. Lower your payment or pay your home off faster!
| Second Mortgage Loan Rates Rates as of 2-1-17 | |||
|---|---|---|---|
| Type | Maximum Amount | Interest Rate | APR1 |
| 15-year Fixed | $250,000 | 5.990% | 6.064% |
| 7.5-year Fixed | $250,000 | 5.125% | 5.250% |
1 All second mortgage products have rates and payments that are fixed for the life of the loan. Payment samples: Pay $8.44 per month per $1,000.00 borrowed at 5.990% for 15 years. See our payment calculator for more payment samples. SafeAmerica does not charge points.
IMPORTANT INFORMATION
APR’s accurate as of 09/25/2017; 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.
1st Mortgage loan rates are subject to change daily. Call for current rates, APRs, additional payment samples, or further information. For a 30 year loan at 4.25%, pay $4.91 per month per $1,000 borrowed, for a 20 year loan at 3.625% pay $5.86 per month per $1000.00 and for a 15 year loan at 3.25%, pay $7.02 per month per $1,000 borrowed.
Second Mortgage loans and HELOCs available for up to the lesser of 80% of appraised value or $250,000 on owner occupied primary residence only in California. No processing fee on loans or limits to $100,000. Processing fee on loans or limits of $100,001 - $250,000 is $500. Sample payment for a 15-year fixed rate second mortgage at 5.99% would be $8.44 per month per $1,000 borrowed. Maximum lifetime variable HELOC APR is 18%. No annual HELOC fee. If appraisal is required, member will be required to pay full cost of appraisal, in advance.
Deposits insured up to $500,000 per account by American Share Insurance, the nation’s largest private share insures. This Credit Union is not federally insured.
Contact An Agent
Contact SafeAmerica with Your Real Estate Needs
Get Pre-Approved
Buy or refinance your home
Contact An Agent
Contact SafeAmerica with Your Real Estate Needs
- Pre-approvals for mortgage loans
- Competitive Rates & Flexible Terms
- Mortgage Calculator »
