Buying a new home or refinancing an existing one?

With Sun Federal, members enjoy competitive rates and flexible financing on a new home loan or refinance.

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Calculate Loan & Refinance Cost

See how much you can save by comparing your loan rates from elsewhere with Sun Federal's best rates!

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Buying a Home?

SFCU can help you buy a home or refinance the one you have!

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First-Time Home Buyer?

You're ready to buy your first home... congratulations! We can make it happen together.

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Need an FHA or VA Loan?

Sometimes you just need a bit more flexibility when buying a home. We can help!

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Want an Investment Property?

Ownership has its additional income and possible tax benefits.

Loan Options

We want you to feel comfortable with your mortgage. That’s why we have many loan options available to you.

Fixed Rate Mortgage

A fixed rate mortgage is a simple option. With this type of loan your payment and interest rate will never change throughout the life of your loan.

Jumbo Loans

When you need to borrow more to get your home, a jumbo loan from Sun Federal may be a good option.

Adjustable Rate Mortgage

An adjustable rate mortgage (ARM) offers you a lower interest rate and monthly payment at the beginning of your loan. Over time, though, your rate and payments may change.

Unique Loans

Have a unique situation? Sun Federal offers several unique loans – including balloon, FHA, VA and many others.

Need help deciding which option is right for you?

Contact one of our friendly Home Finance Officers. They’re here to help you.

Easy as 1-2-3

With our team of friendly Home Finance Officers, you can confidently tackle the mortgage process with ease and efficiency! To begin, simply gather the documents on our Purchase Checklist (NOTE–where is this?*), then follow the three steps below.


  • Visit home and real estate websites (such as to research the cost of homes in areas where you want to live. Use this info to play with our purchase calculators to get an idea of your monthly payment.
  • Review mortgage rates and consider the type, term and rate that work best for your budget.


  • Get your savings ready. You’ll need at least 3 months of payments, known as "reserves," saved – in addition to your down payment – before applying.

  • Gather all the documents on the Purchase Checklist*.


  • Once your application is submitted, there will be underwriting of the property and your loan application information.

Ready to get started with a mortgage? Take the next steps.

Call a Loan Officer
Email a Loan Officer
Apply for Pre-Approval
Explore Loan Options