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Home Loans - More Info

Lending Practices

As a community-based organization whose primary goal is to protect its members, we choose not to make sub-prime loans. Sub-prime loans can be defined as those which do not meet Fannie Mae or Freddie Mac guidelines, and they are much riskier for both lenders and consumers. (Examples of sub-prime loans include Alt-A, Stated Income, and NegAm.) The credit union has always followed strict underwriting criteria which meet the guidelines set forth by Fannie Mae and Freddie Mac. By taking this proactive stance, we are helping to insure the financial well-being of the broader community.

Equal Housing Lender

SF Fire Credit Union is an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Find out more by clicking here.

In This Section:

Are You Ready for a Home?

Overwhelmed by your options? You don’t have to be. Develop a “3-D” picture of yourself. It will help you determine where you stand in the loan landscape.

Types of Rates

Whether you’re in the market to purchase a new property – or preparing to refinance an existing one – it’s always good to understand the choices that may present themselves.