Home Loans

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NMLS 416906

Loan Features

  • Jumbo Mortgages – up to $3 million
  • PoppyLoan™ – up to 100% financing
  • Fixed and Adjustable Rate Mortgages (ARMs)
  • Home Equity Line of Credit (HELOC)
  • 10-Year Interest-Only 10/1 ARM

San Francisco Federal Credit Union has a variety of loan products to suit your needs. Not only that, but you may be eligible for up to 100% financing!

How Much Home Can I Afford?

When you’re buying a home, mortgage lenders don’t look just at your income, assets, and the down payment available. They look at all your liabilities and obligations as well, including auto loans, credit card debt, child support, potential property taxes and insurance, and your overall credit rating. It’s also smart to learn how to budget for your new home.

Definitions for Single Family Loan Amounts 

  • Conforming Loan Limits: Maximum loan amount $726,200
  • Super Conforming/High Balance: Loan amounts over $726,200 to a maximum of $1,089,300
  • Jumbo Loan Amounts: Loan amounts over $1,089,300

It’s smart to spend time investigating which mortgage is right for you, especially with the variety of loan products we offer to suit your needs. Whether you’re purchasing a new home or refinancing your existing home, selecting the right loan type is crucial.

Check out our expert home-buying ideas!

Fixed-Rate Mortgages

A great option for those planning to stay in their new home for a long time and who want to minimize the effects of rising interest rates on their mortgages. San Francisco Federal Credit Union’s Conventional Fixed-Rate mortgages give you the stability of fixed monthly payments for the life of the loan.  In other words, your total monthly payment of principal and interest will remain the same over time.

We offer both conforming and jumbo fixed-rate mortgages. The Bay Area maximum loan limit for conforming loans is usually $726,200; for super conforming loans the limit is $1,089,300, and jumbo loans are for amounts greater than $1,089,300. We offer:

  • 15- and 30-year terms with fixed monthly payments
  • Fixed rates (payments stay the same through term)
  • Jumbo financing available
  • Refinancing options available