Home Loans

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NMLS 416906

Loan Features

  • 巨额抵押贷款——高达300万美元
  • PoppyLoan™ – up to 100% financing
  • 固定利率及可调利率按揭
  • 房屋净值信贷额度(HELOC)
  • 10-Year Interest-Only 10/1 ARM

San Francisco Federal Credit Union has a variety of loan products to suit your needs. 不仅如此,你还可能有资格获得高达100%的融资!

How Much Home Can I Afford?

When you’re buying a home, 抵押贷款机构不只是看你的收入, assets, and the down payment available. 他们也会看你所有的负债和义务, including auto loans, credit card debt, child support, 潜在的财产税和保险, and your overall credit rating. It’s also smart to learn how to budget for your new home.


  • 符合规定的贷款限额:最高贷款金额为$726,200
  • Super Conforming/High Balance: Loan amounts over $726,200 to a maximum of $1,089,300
  • 大额贷款:贷款金额超过1,089,300美元

明智的做法是花时间调查哪种抵押贷款适合你, 特别是十大彩票游戏平台提供的各种贷款产品,以满足您的需求. 无论您是购买新房还是为现有房屋再融资, 选择正确的贷款类型至关重要.


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.

十大彩票游戏平台提供标准和大额固定利率抵押贷款. 湾区的最高贷款限额通常为726美元,200; for super conforming loans the limit is $1,089,300, 大额贷款是指金额大于1美元的贷款,089,300. We offer:

  • 15年和30年的贷款期限,每月固定付款
  • 固定利率(付款在整个期限内保持不变)
  • Jumbo financing available
  • Refinancing options available

Jumbo Mortgages


巨额抵押贷款是指金额超过1美元的住房贷款,089,300, 让你有机会在湾区买到高价的房子. 如果你有较低的债务收入比和较高的信用评分, a jumbo loan may be right for you.

符合规定的贷款限额为726美元,200, 但巨额抵押贷款可能超出这些限制, going up to $3 million. And with skyrocketing housing prices in the Bay Area, most people need a jumbo loan.

  • Credit history – Jumbo mortgages are usually available for borrowers with very good credit, 这通常意味着FICO得分在680分或更高. There are also established guidelines for income and other personal financial information.
  • Property appraisal – The property appraisal must support the purchase price for the home and the mortgage the borrower wants. The maximum loan amount will be based on the lesser of either the sales price or the appraised value

Adjustable Rate Mortgage (ARMs)

An adjustable-rate mortgage (ARM) differs from a fixed rate mortgage in many ways. Most importantly, 利率随ARM周期性变化, usually in relation to an index, 付款可能会相应上升或下降. ARM利率可能有3年、5年、7年或10年的固定利率期限. After the initial fixed-rate period, the interest rate and payment may change accordingly.

可调利率抵押贷款是固定利率和可变利率的混合体. Generally, fixed rate interest is offered the first few years of the loan followed by variable rate interest after that. Therefore, investors can expect to have varying payment amounts for the life of the loan as opposed to one consistent payment, as with a fixed-rate loan.

The advantage of an adjustable-rate mortgage is that they carry lower interest rates during the fixed period of the loan, 这样一来,你就有机会降低每月的首付款了.


An interest-only adjustable-rate mortgage (IO ARM) provides the features of an adjustable-rate mortgage (ARM) with the added benefit of significantly lower initial payments.

在最初的10年付款期内, 付款只针对每月的利息, no principal payment is required. 在最初的10年期间之后, the loan converts to interest and principal payments that fully repay the loan amount over 30 years (amortization period). 这笔贷款的总贷款期限为40年.

而利息在初始阶段是固定的, 30年摊销期间的利率每年可能会有所不同. The rate adjustments are subject to rate caps for each adjustment period and lifetime minimum and maximum interest rate caps for the loan.


San Francisco Federal Credit Union has a home loan product that offers up to 100% financing on your dream home! Why pay ridiculous rent when you can buy your own home with the customizable POPPYLoan™, a game-changing solution to that woeful lament: “I don’t have enough money for a down payment!”

Refinancing Your Home

把你的旧贷款换成新的(更好的)!) one. Whether you have an existing San Francisco Federal Credit Union loan or one with another lender, 十大彩票游戏平台有些选择可以帮你省钱. 十大彩票游戏平台提供固定利率和可调利率抵押贷款。, with no pre-payment penalties and no private mortgage insurance (PMI) or upfront mortgage insurance premium (UMIP) on many loans.

Home Loan Rates

First Mortgages
Conforming 15 Year Fixed Rate Loan5.625%5.776%0.000%
Jumbo 5/1可调利率抵押贷款6.500%7.391%0.000%
Jumbo 10/1可调利率抵押贷款6.500%7.032%0.000%

Last Updated: 05/07/2024

Home Equity
HELOC 10/208.500%8.500%0.000%
10 Year Home Equity Loan9.375%9.375%0.000%

Last Updated: 05/07/2024

Contact Us

十大彩票游戏平台有住房贷款专家,使您的经验尽可能顺利. Call us at 1-800-852-7598 x 2977 to speak to one of our knowledgeable and friendly mortgage professionals to answer any of your questions.

Home Loan Document Checklist

当准备提交申请时,这里有一个 list of documents you will need to have on hand.

Member Reviews

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