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 1-1-22 | |||
|---|---|---|---|
| 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. Payment examples do not include amounts for taxes and insurance premiums, if applicable. Actual payment obligation will be greater. Conforming limit 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.
