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Make ownership easier and more affordable

Choose the loan that's right for you!

5/1 ARM

  • 3.00% 5/1 ARM (APR 3.009%) - up to 80% financing1,2
  • 3.25% 5/1 ARM (APR 3.096%) - up to 85% financing2,3
  • No private mortgage insurance required

Click here for rates & disclosures »

Jumbo Home Loans

  • Low 15% down payment
  • No private mortgage insurance required

Click here for rates & disclosures »

80-10-10

Save money and avoid costly private mortgage insurance by combining a first mortgage with an equity loan.

To learn more, ask one of our experienced Mortgage Officers.

Conventional Home Loan

  • Historically low rates
  • Fast processing

Click here for rates & disclosures »

Ten & Done Home Loan

  • Refinance your home at the lowest possible rate
  • Pay off your home in only ten years, and save decades of payments
  • Financing up to 95%4
  • Save thousands of dollars in interest with a shorter term
  • Pay one low fixed rate for the short life of your loan
  • Make your final mortgage payment sooner and secure your home for retirement

Click here for additional information & disclosures »

SAFE97 Home Loans

  • Low, fixed rate
  • Flexible qualifying designed to help first-time buyers
  • A low down payment of only 3%5
  • Funds for down payment can come from a wide range of sources
  • For single-family units, eligible condos, and planned unit developments

Click here for rates & disclosures »

To get more information or to schedule a free consultation with a SAFE Mortgage Officer, or meet our experts, visit your local SAFE branch, or call (916) 979-7233 or (800) SEE-SAFE.


 

1 APR for 30-year amortization 5/1 ARM accurate as of 1/22/2015 and may increase after consummation. Initial fixed rate during the first 60 months is 3.00% (3.009% APR) with monthly payment of $421.60 per $100,000 borrowed. Rate and payment may increase after 60 months based on 1-Year Libor Index as published in the Wall Street Journal plus a margin of 2.25% for the next 12 months. Based on current index, thereafter rate is 2.875% (2.935% APR) with monthly payment of $414.89, per $100,000 borrowed. The interest rate may adjust annually thereafter. 2 Subject to credit approval and membership eligibility. Rates, terms and conditions subject to change and based on borrower eligibility. Not available for refinance of existing SAFE loan. Other restrictions may apply. 3 APR for 30-year amortization 5/1 ARM accurate as of 1/22/2015 and may increase after consummation. Initial fixed rate during the first 60 months is 3.25% (3.009% APR) with monthly payment of $435.21 per $100,000 borrowed. Rate and payment may increase after 60 months based on 1-Year Libor Index as published in the Wall Street Journal plus a margin of 2.25% for the next 12 months. Based on current index, thereafter rate is 2.875% (2.935% APR) with monthly payment of $414.89, per $100,000 borrowed. The interest rate may adjust annually thereafter. 4 Payment on a $100,000 loan at 2.75% (APR 3.212%) for 120 months is $954.11. Payment does not include taxes and insurance premiums. Actual payment obligation will be greater. Annual Percentage Rate (APR) accurate as of 01/22/2015. 5 Payment on a $100,000 loan at 3.962% Annual Percentage Rate (APR) for 360 months is $463.12. Payment does not include taxes and insurance premiums. Actual payment obligation will be greater. Financing up to 97% available. APR accurate as of 01/21/2015. Rates may vary and are based on credit history, term, and amount financed. Rates, terms, and conditions subject to change. Income restrictions and additional conditions apply.

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