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Where to Start

Information For First-Timers

First-Time Home Buying

Congratulations! We're pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

Purchasing A Home

Purchasing a Home

Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

Start Saving By Refinancing

Refinancing a Home

If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project.

Building A New Home

Looking for a HELOC?


If the current value of your home has increased, you may want to consider a Home Equity Line of Credit. The flexibility of the line allows you to make home improvements, consolidate debt, pay for tuition or a number of other uses.

Today's Rates
Today's loan rates
15 Year Fixed Conventional FNMA
Interest Rate6.750%Discount Points0APR7.155%Payment Amount$1,062
20 Year Fixed Conventional FNMA
Interest Rate6.500%Discount Points0APR6.822%Payment Amount$895
30 Year Fixed Conventional FNMA
Interest Rate7.000%Discount Points0APR7.252%Payment Amount$798
SACFCU Home Equity Line of Credit
Interest Rate8.500%Discount Points0APR8.500%Payment Amount$75
SACFCU Construction 7/1 Year ARM 30
Interest Rate7.250%Discount Points0APR7.698%Payment Amount$825

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