Buying a Home?
SFCU can help you buy a home or refinance the one you have!
First-Time Home Buyer?
You're ready to buy your first home... congratulations! We can make it happen together.
Need an FHA or VA Loan?
Sometimes you just need a bit more flexibility when buying a home. We can help!
Want an Investment Property?
Ownership has its benefits...like additional income and possible tax benefits.
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.
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.
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 Zillow.com) 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
How and Why to Refinance a Mortgage
Learn about the benefits of refinancing a home mortgage.
Realtor vs. Sell it Yourself
What's involved in selling a home with or without an agent?
Tap Into Your Home's Equity
Learn about the benefits of a home equity loan or line of credit.
What Newbie Home Buyers Need to Know
Your CU has your back. We can help you minimize anxiety by being prepared.
6 Financial Safeguards for a Natural Disaster
You hope you never encounter the kind of natural disaster that requires you to abandon your home and places your property at risk. But if you do, don't let it catch you unprepared. Here's what you need to do.
Home Equity Loans: Low-Cost, Tax-Advantaged Credit
Need the cash to remodel your home? A home equity loan or home equity line of credit (HELOC) might be your best bet.
Refresh Curb Appeal to Help Sell Your House
Looking to sell your home? Curb appeal is one of the most important factors in selling your home.
Review Your Financial Situation Regularly
If you have goals, it's best to review your finances regularly.
Starting Off On Your Own?
If you’re about to move into your first apartment, we’ve got some tips for you.
Home Remodeling: What Questions Should You Be Asking?
Thinking about remodeling your home can be exciting! Remember that there may be some questions you should be asking when you decide to move forward.
10 Tips For Reducing Utility Costs
A hot summer can crank up the heat on your utility bill. Here are some money saving tips you can use to reduce monthly spending.