Purchase or Refinance
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
- 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 through our mortgage partner, CU Homeland/American Pacific Mortgage*, such as:
- Adjustable rate mortgages
- First-time home buyer
- Non-owner occupied
- Low down payment
- FHA and VA loans
For more information about these specialty loans and current rates, click here >>.
|First Mortgage Loan Rates Rates as of 9-1-22|
|For more options and current rates, please call (800) 972-0999 or email firstname.lastname@example.org to speak with a mortgage specialist.|
Quoted 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 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 5.75%, pay $5.82 per month per $1,000 borrowed, for a 20 year loan at 5.50% pay $6.86 per month per $1000.00 borrowed, for a 15 year loan at 5.00% pay $7.89 per month per $1,000 borrowed, and for a 10 year loan at 4.50% pay $10.34 per month per $1,000.00 borrowed. Second Mortgage loans and HELOCs available for up to the lesser of 80% of appraised value or $400,000 on owner occupied primary residence only in California. No processing fee on HELOC limits up to $100,000. Processing fee on limits of $100,001 - $250,000 is $500. Processing fee on all fixed rate second mortgage loans is $995.00. Sample payment for a 15-year fixed rate second mortgage at 7.99% would be $9.52 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.
*Special loan programs such as VA and FHA loans are provided through our mortgage partner, CU Homeland. Ask a representative for details.