First Mortgage
Apply Now!Competitively priced, first mortgage loans!
Safe 1 offers a wide array of first mortgage products and services:
- First mortgage loans, with loan-to-value up to 97%
- Jumbo mortgages, with terms up to 30 years
- Federal Housing Administration (FHA) mortgages
- FHA Streamlines
- Veterans Affairs (VA) mortgages
- Adjustable rate mortgages
- Investment and vacation property mortgages
For more information, please contact us and ask for our Home Loan Department or send an email by clicking here.
Effective as of March 1, 2025| TERM | RATE | 0% ORIGINATION PROCESSING FEE | ANNUAL PERCENTAGE RATE | MONTHL PAYMENT PER $10,000 |
|---|---|---|---|---|
| 30-Year Fixed Rate | 6.25% | $695.00 | 6.337% | $61.57 |
| 20-Year Fixed Rate | 6.00% | $695.00 | 6.113% | $71.65 |
| 15-Year Fixed Rate | 5.75% | $695.00 | 5.891% | $83.05 |
| 10-Year Fixed Rate | 5.50% | $695.00 | 5.699% | $108.53 |
Annual Percentage Rate – APR
- APR calculation and interest rate quotes are based on a loan amount of $250,000 (purchase price or appraised value equals $312,500 or greater), owner-occupied purchase or refinance transaction secured by a single-family residence, loan-to-value of 80%, FICO score of 730 or higher, and a 60-day rate lock. The payment examples above do not include property taxes and insurance. Your actual payment will be higher when these are factored in.
- Maximum loan amounts of $1,000,000. Maximum loan-to-value is 80%.
- Loans in excess of $766,500 are considered “Jumbo Loans” and have a rate premium of 0.50%.
- Rates, terms, and fees listed are accurate as of the date shown above and subject to change without notice.
- Rates, terms, and conditions will vary based on creditworthiness and other factors. Conditions and restrictions apply and all loans are subject to underwriting approval.
- FHA, VA, and Manufactured Loans are available. Please call the Safe 1 Credit Union Home Loan Department for current rates, terms, and features for these loans.