Home Loans
A mortgage loan option to fit your lifestyle
Buy or Refinance your Home
SafeAmerica can help you buy your dream home or refinance your existing mortgage.
Whether you're in the market to purchase or refinance a home, or you'd like to apply for a second mortgage loan to use your home's equity, 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.
Purchase or Refinance a Home
Learn about your mortgage options and see if you prequalify to find out how much you may be able to borrow. Or, feel free to call us at (800) 972-0999 to speak with a mortgage specialist.
Choose the loan that's right for you!
Rates
| First Mortgage Loan Rates Rates as of 9-1-22 | |||
|---|---|---|---|
| Type | Program | Interest Rate | APR1 |
| 30-year Fixed | Conforming | 5.750% | 5.790% |
| 30-year Fixed | Jumbo | 5.750% | 5.782% |
| 20-year Fixed | Conforming | 5.500% | 5.552% |
| 20-year Fixed | Jumbo | 5.500% | 5.541% |
| 15-year Fixed | Conforming | 5.000% | 5.062% |
| 15-year Fixed | Jumbo | 5.000% | 5.048% |
| 10-year Fixed | Conforming | 4.500% | 4.584% |
| For more options and current rates, please call (800) 972-0999 or email realestate@safeamerica.com 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.
Second Mortgages (Home Equity Loans) and HELOCs
Let your home's equity work hard for you! Use the equity in your home to make good things happen.
Use the equity in your home for home improvements, college education, debt consolidation or anything else you want to make happen. With low rates, no closing costs and low payments, you can take advantage of the money when you need it.
Home Equity Loan
A Second Mortgage, or home equity loan, is a fixed-rate loan distributed in one lump sum, with terms that range from 7.5 to 15 years. You pay it back in fixed monthly installments.
A right fit if you...
- Anticipate a large one-time expense such as a wedding, the purchase of a second home, or debt consolidation.
- Need the predictability of fixed monthly payments to help you budget
Home Equity Line of Credit
home equity info here
Add rates to table...
| Home Equity Loan Rates (Second Mortgage) Rates as of 9-1-22 | |||
|---|---|---|---|
| Type | Maximum Amount | Interest Rate | APR1 |
| 15-year Fixed | $400,000 | 7.990% | 8.087% |
| 7.5-year Fixed | $400,000 | 7.125% | 7.286% |
1Quoted 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. Interest may be tax deductible, consult a tax advisor. Equal housing lender. Adequate property insurance required for the life of the loan. Flood insurance may be required. Other restrictions may apply.
*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. Processing fee on all fixed rate second mortgage loans is $995. Sample payment for a 15 year fixed rate second mortgage at 7.99% would be $9.52 per month per $1,000 borrowed. If appraisal is required, member will be required to pay full cost of appraisal, in advance.
IMPORTANT INFORMATION
APR’s (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.
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.
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