Home Purchases

Come home to more mortgage options:

Purchasing a home is a big financial step. That's why we provide access to various mortgages that fit every budget and lifestyle. Click here to check rates.

Fixed-rate Mortgages
Budget with certainty with a rate that never changes over the life of your mortgage. The 30-year fixed option is our most popular mortgage, but we also offer other terms that allow you to pay your home off sooner.

Adjustable-rate Mortgages
Take advantage of a lower interest rate that's fixed for a set period of time before resetting annually. There are also annual and term cap limits that keep your rate from skyrocketing.

FHA and VA Financing
FHA and VA-insured mortgages offer buyers many benefits, including competitive interest rates, lower down payments, flexible debt and credit requirements and more.

Reverse Mortgages
With a Reverse Mortgage from Sacramento Credit Union, you'll receive payments based on a percentage of the value of your home with no repayment necessary for as long as you live there. 

First Time Homebuyer Resources
These loan programs lower the barriers to homeownership, allowing more members to realize their dreams. We can help you determine whether it is better to buy or rent, figure out how much house you can afford and link you to special programs that can make home buying more affordable.

Not ready to apply, but still want more information? Complete our short online form and a real estate loan consultant will contact you within one day.