SafeAmerica Credit Union

Home Loans

A mortgage loan option to fit your lifestyle

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

Learn about your mortgage options and see if you pre-qualify to find out how much you may be able to borrow by filling out the form below.  Or, feel free to call us at (800) 972-0999 to speak with a mortgage specialist.  We offer:

  • Purchase or refinance options
  • Competitive rates
  • 10, 15, 20, or 30 year terms
  • Conforming and jumbo loans
  • Specialty programs such as FHA, VA and more*

Find out which loan program is right for you. To get started, click below to fill out our pre-qualification form  and a loan officer will get back to you.

Get Started Now

Rates

First Mortgage Loan Rates   Rates as of 1-1-21
Type Program Interest Rate APR1
30-year Fixed Conforming 3.250% 3.282%
30-year Fixed Jumbo 3.500% 3.523%
20-year Fixed Conforming 2.990% 3.033%
20-year Fixed Jumbo 3.240% 3.269%
15-year Fixed Conforming 2.750% 2.804%
15-year Fixed Jumbo 3.000% 3.038%
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 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 3.25%, pay $4.35 per month per $1,000 borrowed, for a 20 year loan at 2.99% pay $5.53 per month per $1,000 borrowed, for a 15 year loan at 2.75% pay $6.78 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. $625,500 represents the conforming loan limit for Alameda County. Your county may be lower.

First Mortgage

*Special loan programs such as VA and FHA loans are provided through our mortgage partner, CU Homeland.  Ask a representative for details.