Need a mortgage loan to buy a new home or to refinance?

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

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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 purchase 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.

Sun Federal Mortgage Loan Options

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

Fixed Rate Mortgage Loans

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 Mortgage 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 Loans

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 home loan 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. 
  • Review mortgage rates (call 800.786.0945 for 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

Home and Mortgage Resources