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MORTGAGE

For new keys and new chapters.

House

Get Up to 0.50% Off Your Home Loan Rate1

For the place you'll love to call home, or the one you're already in. For a limited time, save with up to a 0.50% rate discount on eligible purchase and refinance home loans from SAFE.

Apply today to get pre-approved or discuss your refinancing options with a Home Loan Consultant.

Get Pre-Approved   Schedule an Appointment

Finance your perfect home.

Achieving homeownership is a huge milestone. Whether you’re looking to finance your first home or your next move, our local team of Home Loan Professionals is in the know and will be with you every step of the way.

Home loan options.

Purchase a Home

5/6 ARM rates as low as

 Rate
 APR*

Discount Points:  
(APR may increase)

View rates

Refinance My Home

5/6 ARM rates as low as

 Rate
 APR*

Discount Points:  
(APR may increase)

View rates

Equity Line of Credit

Rates as low as

 APR*
 
View rates

Home Equity Loan

Rates as low as

 APR*
 
View rates


For home purchase, refinance, or equity needs, please call (916) 971-2599 or schedule an appointment.

*Rates and terms subject to change. All loans subject to credit approval and membership eligibility.

SAFE home loan programs.

Buying a home can be one of the biggest investments you’ll make, and it can feel overwhelming. Rest assured that SAFE offers competitive rates, flexible terms, and local processing to get you moving sooner. We have several loan options, and you don’t have to choose one alone. We’re here for you. Our expert Home Loan Professionals can advise and get you the right loan for your situation.

See Options

SAFE Home Loan Programs

Save thousands* with SAFE HomeRewards.

Insurance Services

SAFE has partnered with Newzip to give you a concierge real estate experience. Newzip will match you with a vetted real estate agent in your local area that’s best fitted to your specific needs. And by using a Newzip real estate agent, you can save thousands on closing costs with SAFE HomeRewards.

Learn More

*Home buyers who utilize Newzip's agent matching service will receive HomeRewards in the form of credit at closing equal to 0.5% of the home sale price. Home sellers who utilize Newzip's agent matching service will save 1% in the form of a discounted agent listing fee.

 

1 A 0.500% interest rate discount from currently available rates is available on eligible 30-year fixed-rate conforming conventional first mortgage purchase and refinance loans. A 0.250% interest rate discount from currently available rates is available on eligible conforming and jumbo adjustable-rate mortgage (ARM) first mortgage purchase and refinance loans. To qualify, a loan application must be received between October 1, 2026, and December 31, 2026, and the interest rate must be locked on or before January 15, 2027.This offer is not available for: FHA loans; jumbo fixed-rate loans; loans eligible for the; Platinum Builder Rate Promotion; loans receiving a Member Relationship Rate Discount; Loans utilizing an appraisal waiver; loans with a loan-to-value (LTV) ratio greater than 95%; loans with a debt-to-income (DTI) ratio greater than 45%; loans with a credit score below 680. All loans are subject to credit approval, underwriting requirements, and membership eligibility. Additional terms, conditions, and restrictions may apply. Rates, programs, and promotional offers are subject to change or termination without notice. Borrowers should carefully consider the features and risks of adjustable-rate mortgages before obtaining an ARM.