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:

Start Now

For questions regarding a pending application, please contact our Real Estate Team during our regular branch hours of 8:30AM to 6:00PM Monday thru Friday, and 8:30AM to 3PM on Saturday. They can be reach via phone at (415) 674-4800 Extension 778, or by email at

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.

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

Flat Fee Services for Owner Occupied Single Family Dwellings:1

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

Flat Fee Services Include:

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

Flat Fee Services Do Not Include:

  • Title Policy
  • Title Courier Fee
  • Title Notary Fee
  • Title Settlement & Escrow Fee
  • Appraisal Rush Fee (to expedite appraisal order)
  • Appraisal Field Review (on properties with appraised values over $1 million)
  • Home Owners Association Certificate Fee (for condominium properties)

Effective December 8, 2014. California properties only. Does not apply to FHA, multiple unit properties or rental properties.