SafeAmerica Credit Union

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

  • Rates as low as 2.990%/3.019% APR for 30 year fixed
  • Purchase or refinance options
  • Competitive rates on 10, 15, 20, or 30 year terms
  • Conforming and jumbo loans
  • No points
  • No rate increase for jumbo, refinance or cash-out refinance
  • 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.

Apply Online

Specialty Mortgage Loans

We also offer specialty mortgage loan programs through our mortgage partner, CU Homeland/American Pacific Mortgage, such as:

  • Adjustable rate mortgages (ARMs)
  • First-time home buyer programs
  • Non-owner occupied
  • Low down payment
  • FHA
  • VA
  • More!
Learn More

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.