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Personal Borrow Money Home Loans

Home Loan Options

Researching home loans can be overwhelming – how do you know what option is best suited for your needs? That’s where scheduling time to talk with a SAFE Mortgage Officer fits in. To help you prepare for that discussion, below is a high-level overview of the key benefits of both fixed- and adjustable-rate mortgages and the home loan options SAFE offers.

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

For home equity needs, please fill out the following form and a SAFE representative will contact you.

Explore home loan options

If you’re a first-time home buyer, this flexible loan option is designed for you.

  • Down payment as low as 3%
  • Flexible sources of funds for down payment
  • Low, fixed interest rate
  • Innovative underwriting options can include non-occupant borrower(s)
  • Affordable mortgage insurance compared to standard requirements
  • Minimum credit score of 620 – check your credit score 

Apply now

Terms and conditions subject to change. Income restrictions and additional conditions apply.
Not required to be a first-time home buyer.


Conventional home loans are fixed-rate mortgages that are not insured or guaranteed by the federal government. The benefit to having a conventional home loan is that your rate and monthly payment may be lower than other guaranteed mortgages.

This is an excellent product for buyers who have saved for a large down payment and have top-tier credit scores. If you meet this criteria, SAFE can help you take advantage of:

  • Historically low rates
  • Fast processing

Apply now

Rates and Disclosures


Jumbo Home Loans exceed California's conforming loan limits of $726,200 for a single-family home. These loans have a down payment as low as 10% and are offered with a fixed or adjustable rate. A SAFE Mortgage Officer can help you decide which option is best for you, including the:

  • 5/6 ARM Jumbo
  • 7/6 ARM Jumbo
  • 15-year Fixed Jumbo
  • 30-year Fixed Jumbo

Apply now

Rates and Disclosures


Shave off years of payments and thousands of dollars with a SAFE 10-year fixed-rate home loan! You can either purchase or refinance with a Ten & Done Home Loan to take advantage of:

  • Lowest available fixed-rate option offered by SAFE
  • Finance up to 95% of the home’s value
  • Being mortgage-free sooner, which helps ensure peace of mind in retirement

Apply now

Rates and Disclosures


  • Up to 85% financing
  • No private mortgage insurance required

Apply now

Rates and Disclosures


Fixed-Rate Mortgages offer:


  • Same dependable payment (principal + interest payment) for the life of the loan, making it easy to budget today and in the future
  • This option is best if you see yourself living in your home for many years to come and want to budget around a consistent payment amount Apply now

Adjustable Rate Mortgages offer:


  • Initial interest rate is typically lower than a rate offered with a fixed-rate mortgage, which could result in significant initial savings
  • This option is best if you want to keep your initial payments low to accommodate other expenses or plan to pay off the loan – or refinance – within the next five to seven years
  • Apply now


SAFE is proud to provide HomeAdvantage, an exclusive member service that simplifies the process of buying or selling a home by connecting you to a network of experienced and trusted real estate agents. Best of all, the service is absolutely free to use.

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