Home Loan Mortgages

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! SDCCU offers low rate home loans in San Diego and throughout California. Our low fixed rate and adjustable rate home loans offer low monthly payments and down payments as low as 5%. You can even take advantage of the No Closing Costs 5/5 Adjustable Rate Mortgage!¹

low rates

Low Rates

Fixed Rate & Adjustable Rate
low down payments

Low Down Payments

As little as 5% down²
See rate sheet for details

best home loan providers

BEST Mortgage/Home Loan Provider

U-T San Diego Readers Poll

  • No obligation pre-approval
  • Up to 95% financing² (that’s just 5% down)
  • Loans up to $1,500,000
  • Competitive interest rates
  • No hidden fees
  • FREE 60-day rate lock
  • FREE Internet Branch online banking
  • FREE eStatements
  • No pre-payment penalties
  • Potential tax deductions³
  • Automatic payments from an eligible SDCCU account available
Apply for a home loan online today!
Compare San Diego County Credit Union home loan mortgage options & payments via our FREE online Loan Consultant. No personal information is required.

Subject to approval. ¹SDCCU 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.  Maximum closing costs paid for you by SDCCU will be $10,000 or the amount charged by the service providers (whichever is less) and will appear as a credit on your HUD-1 Settlement Statement. This does not include pre-paid interest, homeowner’s insurance, initial escrow deposit, owner’s title insurance, or city and/or county transfer tax. Borrower may select escrow and/or title company. Other restrictions may apply. Offer good for a limited time only and is valid on owner-occupied, primary residential purchases and external refinances. There is an upfront $350 application fee that is non-refundable if your loan is denied or canceled. Reimbursement of closing costs paid by SDCCU may be required. 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.
²Certain terms and restrictions apply. See rate sheet for details.
³Consult your tax advisor.
4For example: For example: 360 monthly payments of $4.70 per $1,000 borrowed at 3.926% Fixed Annual Percentage Rate (APR) for the 30-year term based on rates offered 05/11/15. Rates may vary and are subject to change.
5For example:360 monthly payments of $4.08 per $1,000 borrowed at 2.955% Adjustable Annual Percentage Rate (APR) for the 5-year adjustable term based on rates offered 05/11/15. Rates may vary and are subject to change.
*APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Rate and APR accurate as of 05/11/15. Available for loan amounts up to $1,500,000 and 80% loan to value. The rate shown is fixed for 5 years, then becomes adjustable and may increase or decrease once every 5 years. Maximum rate adjustment is 2% per five years and 5% over the life of the loan. The APR quoted in this disclosure is based on the weekly average of the 5 Year Constant Maturity Treasury (CMT) index rate as made available by the Federal Reserve Board plus a margin of 2.75%. Payment example on a 30 year loan: $1,730 per month for the first 5 years on a $417,000 loan at 3.807% APR, does not include taxes or insurance. Verification of income, hazard, and, if applicable, flood insurance required. APR, rates, terms and conditions are subject to change. 
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Why People Love Us

SDCCU Reviews

"I love SDCCU and recommend them to everyone I know. I would never switch to another bank for my financial needs as I always get great, friendly service. Keep up the great work!" Vanessa A., San DiegoMember since 2005

San Diego County Credit Union® was founded on the principle that people come first and profits second. This forward-thinking approach in the banking industry has propelled SDCCU® to become San Diego’s BEST Credit Union and largest locally-owned financial institution. SDCCU provides breakthrough banking products that meet the demands of today’s lifestyle and delivers banking services that save customers money. SDCCU serves customers nationwide with 30,000 surcharge-FREE CO-OP ATMs and 37 branch locations in San Diego, Riverside and Orange counties. Open an account today.

30,000 surcharge-FREE ATMs

30,000 Surcharge-FREE ATMs

Access your money anywhere with 30,000 surcharge-FREE co-op ATMs nationwide.
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5/5 ARM

No Closing Costs

5/5 ARM Home Loan
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1% Cash Back!

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