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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, refinance or tap into your home equity, please call (916) 971-2599 or schedule an appointment.
If you’re a first-time home buyer, we have flexible loan options designed for you.
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Terms and conditions subject to change.
The benefit to having a fixed rate loan is that your rate and monthly payment stays the same throughout the term of your loan. 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.
SAFE can help you take advantage of:
Rates and Disclosures
With an adjustable-rate mortgage, your interest rate is fixed for a specific period of time. After that, the interest rate adjust. This option is a great choice if you plan to move or refinance in a few years.
If you are an eligible service member, veteran or surviving spouse, take advantage of the VA loan benefits.
Jumbo Home Loans exceed California's conforming loan limits of $806,500 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 Home Loan Professional can help you decide which option is best for you.
We have partnered with Alliance Reverse Mortgage to provide a variety of reverse mortgages:
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*APR effective
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.
*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.
If you click "continue" below, you will be directed to a third party's web site. As a member service, SAFE Credit Union offers links to web sites of third parties whose products or services we believe offer good value and may be of interest to you. In some cases, if allowed by law, SAFE Credit Union may receive compensation from third parties whose products or services you purchase. Third parties are solely responsible for their web sites, products and services, and maintain their own consumer data privacy policies, which may differ from those of SAFE Credit Union. Use of third party services, products and web sites is solely at your discretion. To go to a third party web site, click "continue." To go back to SAFE Credit Union's web site, click "close."
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