The funds you need to buy your next home
Whether it is your first home or your next home, get the funds you need with a mortgage loan from SFCU. With low rates and flexible terms, it has never been easier to afford the home of your dreams!

Competitive Rates
Save money over the course of your loan with competitive rates that allow you to keep extra money in your pocket.

Low Down Payment
You don't have to save 20%. Buy your home now with low down payment options available from SFCU.

Variety of Repayment Terms
Enjoy more control over your monthly and total payment with a wide variety of repayment terms available on mortgage loans.

Local Service
Get your loan from a lender who understands the local market. At SFCU, we don't transfer servicing to other lenders, so everything stays right here!
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Competitive rates make your dream home more affordable
Lower your monthly payment and spend less on interest with competitive rates on both fixed and variable term mortgage loans. We believe home ownership should be something everyone can achieve, that's why SFCU offers lower rates compared to many other financial institutions.

Your next home stays local, so your mortgage loan should too!
There's no place like home! That's why SFCU never transfers mortgage loan servicing to other lenders. When you get a mortgage loan from us, it stays right here. Our experienced reps can answer your questions and provide better insights because they're all local.

Free Home Buyer Counseling
From reviewing your credit history to understanding financing options, getting your financial house in order for a home purchase can feel overwhelming. Our partnership with GreenPath Financial Wellness sets you up for success. Caring, certified counselors are ready to understand your specific goals and challenges, and can help develop a plan to get you on firm financial footing as you look to purchase a home.


Build Trust
Visit your local SFCU branch to meet with those who handle your mortgage loan in-person. We're not some scary institution; we're your neighbors!

More Knowledgeable
Since all our reps are local, we can provide better insight about the local market and find you the best mortgage loan to fit your unique situation.

Everything In-House
We never transfer servicing to other institutions. If you have a question about your mortgage loan, just give us a call or stop in for a visit. We're always happy to answer your questions!
I had the easiest loan process in my life.
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1
Complete an application
Our friendly & professional mortgage reps will guide yo through the application process
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2
Get approved
We'll crunch the numbers and let you know if you're approved.
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3
Buy your new home
Use the loan funds to purchase your next home!
Have a question? Get in touch with us
Your next home is within reach
With competitive rates and a variety of repayment options, home ownership has never been more accessible. Work with the local team at SFCU for a mortgage loan when it's time to purchase your next home.
Fixed Mortgage Rates
Type of Loan | Term (Approx.) | APR (as low as) | Monthly Payment Example 1 |
---|---|---|---|
1st Mortgage |
10 Yr |
6.375% |
$1,129.13 |
15 Yr |
6.500% |
$871.11 |
|
20 Yr |
6.750% |
$760.36 |
|
30 Yr |
7.125% |
$673.72 |
|
Vacation & 2nd Homes |
10 Yr |
7.375% |
$1,180.50 |
15 Yr |
7.500% |
$927.01 |
|
Bare Land Loan |
12 Yr |
10.500% |
$1,224.14 |
as of 08/21/2023
¹ Monthly Payment Examples assume a loan amount of $100,000. Taxes and insurance premiums are not calculated into the example which could result in a higher monthly payment.
- Credit Union membership is required with minimum deposit of $5.
- 1st Mortgages must be a 1-4 unit & owner occupied, except for vacation/second home programs.
- Vacation/Second Homes have a maximum LTV of 80%.
- The bare land loan requires 30% down and is for purchases only.
- Jumbo mortgages are available and are 0.25% higher. Contact the Credit Union for details.
- Escrow may be required.
- Loans greater than 80% require PMI.
- Proof of homeowner’s insurance required. Proof of flood insurance may be required.
- Contact the Credit Union about maximum LTVs based on unit and purpose.
- Mortgage loans are available in NYS only. Loan must meet credit, appraisal, and other guidelines. Title insurance is required.
- Rates are subject to change at any time. The Credit Union reserves the right to modify or suspend any conditions of the loan programs at any time without prior notice.
NMLS #609016
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Rates Effective as of: September 22, 2023
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