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We offer just the right products at the right value – and we make the application process as easy as possible, with personal service that’s hard to beat.

Home Loans

Research Your Home Loan Options with SF Fire Credit Union

We have the online tools to help you research all of your options, and help you find the mortgage that’s right for you.

  • Review Loan Options
  • Check & Track Rates
  • Loan & Payment Calculators
  • Apply for a Loan
  • Check the Status of a Pending Loan
  • Learn about Home Buying & Refinancing

California Properties:
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FHA Loans:
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VA Loans:
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Out of State Mortgages – Alabama, Georgia, Idaho, Illinois, Indiana, Iowa, Ohio, Oregon, Pennsylvania, Texas, Washington (State), or Wisconsin Properties:
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At this time, we offer loans only for properties in the states listed above.


First Mortgage

Research and Apply for a First Mortgage

For properties located within California:

CA Properties: Apply Now

For properties located outside California:

Properties Outside CA: Apply Now

1. Please consult a tax advisor about mortgage interest and property tax deductability.


Second Mortgage

Apply for a second mortgage and capture your home’s equity for your investment needs. Count on a fixed rate for 15 years, or consider 20 year amortization loans which balloon in either 5 or 7 years. Combined loan-to-value cannot exceed 80%.

Click here to find out more information on rates.

Key Features
Payment is fixed for the term of the loan
Flexible terms
Interest May Be Tax Deductible1

Apply for a Second Mortgage

Apply Now

1. Please consult a tax advisor about your specific tax situation.


Flat Fee Services:1

  • $575 for Adjustable Rate Mortgages
  • $795 for Fixed Rate Mortgages

Services Include:

  • Appraisal
  • Appraisal Review
  • Courier / Fed Ex
  • Credit Report
  • Document Preparation
  • Flood Zone Certification
  • Tax Service and Processing
  • Underwriting
  • Wire Transfer

Effective December 8, 2014. California properties only. Does not apply to FHA. Flat fee does not include title and escrow fees.