Explore our credit union mortgage loans
Whether you’re looking to buy a new home or refinance your existing home loan, San Diego County Credit Union mortgages are perfect for you! As a trusted mortgage lender and voted San Diego's BEST Mortgage Provider, SDCCU offers a variety of mortgage solutions including low rate conforming and jumbo home loans throughout California. Our low fixed rate and adjustable rate home loans offer low monthly payments and down payments as low as 3%. You can even take advantage of the No Closing Costs Adjustable Rate Mortgage!*
Fixed Rate Mortgage Loans
Pay the same fixed amount every month over the entire life of the loan.
Adjustable Rate Mortgages (ARM)
Adjustable Rate Mortgages provide a fixed rate for the first 5 or 7 years.
No Closing Costs Home Loan*
The No Closing Costs Adjustable Rate Mortgage provides flexibility.
View Mortgage Rates and Get a Quick Estimate
Get a quick mortgage payment estimate, calculate your payment and apply for a home mortgage loan with San Diego County Credit Union Today.
Navigating the Home Buying Journey with SDCCU
As you prepare to make one of the biggest decisions of your life by purchasing a home, it's important to choose a mortgage lender who understands priorities. At SDCCU, we recognize the significance of this milestone and are committed to guiding you through the home buying process with expertise and care. With our personalized approach and comprehensive range of mortgage options, we're here to help you find the perfect loan.
Choosing a Trusted Credit Union for Your Home Mortgage
Experience the numerous advantages of working with a trusted credit union for your home purchase versus a traditional big bank which include low fees, competitive rates and a personalized and supportive environment for your home buying journey. San Diego County Credit Union is driven by the interests of members rather than shareholders, ensuring that your needs are always prioritized.
45-day rate lock
Lock in your low rate
Low Down Payments
Low down payments
Competitive Rates
Fixed Rate & Adjustable Rate
BEST Mortgage/ Home Loan Provider
In the San Diego Union-Tribune Readers Poll
Fixed Rate Mortgage
Enjoy the convenience and stability of a Fixed Rate Mortgage. With SDCCU's straightforward terms and competitive rates, you'll have confidence that your mortgage payment will stay consistent and affordable so you can easily budget without worrying about fluctuations in interest rates. Whether you're a first-time homebuyer or refinancing an existing loan, SDCCU's Fixed Rate Mortgages** offer the financial security needed to achieve your homeownership goals.
Adjustable Rate Mortgages (ARMs)
SDCCU's Adjustable Rate Mortgage program offers several benefits. These mortgages typically offer a lower initial fixed-rate period, offering stability and predictability before any adjustments. Flexible in terms of loan duration and initial fixed-rate period, ARMs allow borrowers to customize their mortgage to their financial goals. Lastly, ARMs present an opportunity for refinancing if interest rates decrease in the future, resulting in lower overall mortgage costs.
 Calculate your estimated monthly house payment. | Calculate your estimated monthly loan amount based on desired monthly payments. | Determine whether you should rent a home versus own a home based on multiple factors. |
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**Payment examples:
A $420,000, 10-year fixed rate at an interest rate of 6.000% (6.154% APR) would have a monthly principal and interest payment equal to $3,730. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
A $420,000, 15-year fixed rate at an interest rate of 6.250% (6.360% APR) would have a monthly principal and interest payment equal to $2,881. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
A $420,000, 20-year fixed rate at an interest rate of 6.625% (6.714% APR) would have a monthly principal and interest payment equal to $2,530. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
A $420,000, 30-year fixed rate at an interest rate of 7.125% (7.195% APR) would have a monthly principal and interest payment equal to $2,264. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
Why Bank with SDCCU?
Because people come first
SDCCU has always made members the number one priority. Because of this deep-rooted commitment, we’re focused on providing all the banking services you need, but from a place that’s never for-profit, and still wholly owned and operated by its members.
Cost
We don't deal with outside stakeholders, so all earnings are returned to our members through lower fees and higher dividends.
Convenience
We have 30,000 surcharge-free ATMs, 39 branch locations, and mobile and online banking, so you can bank anywhere, anytime.
Community
We are proud members of the communities we call home, and participate in a lot of local programs and events to show our support.
WHAT PEOPLE ARE SAYING
"I have been a SDCCU member for many years and am amazed how friendly and fast service is. I have had nothing but excellent service at SDCCU. Every time I visit a branch I am greeted with a hello and a smile."
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Subject to approval.
*No Closing Costs offer available for owner occupied primary residential purchases, properties owned free and clear and external (non-SDCCU) refinances only. Refinance not available on Power Purchase loans. Existing SDCCU home loans may be refinanced to the ARM but are not eligible for the No Closing Costs offer. Subject to approval. SDCCU will pay your closing costs including but not limited to: lender’s title insurance, title services, appraisal, tax service, credit report, flood certification and recording fees. Paid closing costs do not include pre-paid interest, rate lock extension, rate re-lock, homeowners insurance, initial escrow deposit, owner’s title insurance, or city and/or county transfer tax. Primary residential purchase transactions where seller and/or agent contributions are provided will be applied to the non-recurring closing costs first. In the event seller/agent contributions do not cover all eligible closing costs, SDCCU will cover any eligible remaining costs. Borrower may select escrow and/or title company. Other restrictions may apply. Reimbursement of closing costs: if the loan is paid off within 36 months of origination, a prorated amount of closing costs will be added to the loan payoff amount. SDCCU will not reimburse for any unused seller/agent contributions.