Home Loan Rates & Terms

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 10%. Find the loan that best suits you and get pre-qualified today!

90-day rate lock

As little as 10% down

House and Percent Icon

Loans up to $3,000,000

Take advantage of the popular ZERO point home loan options below or view all of our mortgage rates and terms.

The “BEST RATE” for each program is quoted below and is based on an owner occupied purchase loan with a minimum 740 FICO® Score. Actual rate will depend on borrower’s selected loan type and credit profile.
Mortgage rates effective   and subject to change. View a printable PDF of all home loan rates.


Pay $0 Closings Costs plus get flexibility, stability and no closing costs¹ with SDCCU’s 5/5 Adjustable Rate Mortgage Home Loan. Your rate can only change once every 5 years with a maximum rate adjustment of 5% over the life of the loan!

5/5 ARM
3.125% Rate*
4.572% APR*

0 points

Up to 80% LTV & $3,000,000

Estimated Payment Per $1,000: $4.28

5/5 Power Purchase
3.750% Rate*
4.921% APR*

0 points

Just 10% down & SDCCU pays your mortgage insurance

Estimated Payment Per $1,000: $4.63


Payment example for a $647,200 30 year term with an initial 4.572% APR* and with maximum periodic rate increases: $2772.45 per month at an interest rate of 3.125% for the first 5 years; $3413.50 per month at an interest rate of 5.125% for years 6-10; $4006.94 per month at an interest rate of 7.125% for years 11-15; $4259.31 per month at an interest rate of 8.125% for years 16-30. Payment example does not include amounts for taxes or insurance premiums; actual payment obligation may be greater.


Conforming loan limits up to $647,200.

15 - Year
4.500% Rate*
4.535% APR*

0 points

Just 10% down

Estimated Payment Per $1,000: $7.65

30 - Year
5.375% Rate*
5.396% APR*

0 points

Just 10% down

Estimated Payment Per $1,000: $5.60



Jumbo loan limits are loan amounts that either exceed conventional or high-cost area loan limits published by the Federal Housing Finance Agency (FHFA) annually. As such, the starting loan amount for jumbo loans may vary based on county, ask for details.

15 - Year
4.000% Rate*
4.034% APR*

0 points

Up to 80% LTV

Estimated Payment Per $1,000: $7.40

30 - Year
4.750% Rate*
4.770% APR*

0 points

Up to 80% LTV

Estimated Payment Per $1,000: $5.22


SDCCU offers the following home loan options. See the full home loan rate sheet for details.
  • Second home loans available for purchase and refinance
  • Purchases, rate/term and cash-out refinances available
  • Cash-Out Refinances
  • Additional point/buy down options available
  • Owner occupied & non-owner occupied loans
  • High balance loans & jumbo loans available
  • Fixed and adjustable home loan programs available for residential single family, townhouse, condo or PUD properties located in California. Fixed mortgage programs also available on manufactured home and 2-4 unit. Condos must be Fannie Mae approved (warrantable). Condos, manufactured homes and 2-4 unit properties will have adjustments.

Membership required.
*APR = Annual Percentage Rate. Rates and APRs accurate as of   and subject to change. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. Certain terms and conditions may apply. Programs available for properties located in California. Subject to approval. Rate lock available with a specific property identified.
¹No Closing Costs offer available for owner occupied primary residential and second home purchases, properties owned free and clear and external (non-SDCCU) refinances only. Refinance and second home refinancing not available on Power Purchase loans. Existing SDCCU home loans may be refinanced to the 5/5 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, rate float down, 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.

Learn More About SDCCU Mortgages

Check out our other home loan resources.

Frequently asked questions
  • How do I apply for a home loan?
    You can apply for a SDCCU home loan online, by visiting any of our branch locations or by calling us at (877) 732-2848. You can apply to refinance your mortgage or apply to purchase a new home through any of these options.
  • What credit score do I need to qualify for a home loan?
    Your credit score is one of several factors that determine qualification for a home loan. Other factors that are considered include debt to income ratio, how well you have managed prior credit and length of credit history. There may be steps you can take to improve your credit score. To learn more about credit management and understanding your credit report, try our free credit counseling service.
  • Can I get a home loan with bad credit?
    While your credit score is one of several factors that determine qualification for a home loan, it is an important measure of credit risk. If you have a poor credit profile, you may want to consider taking the time to build your credit and strengthen your personal finances before purchasing a home. If you have not done so already, check your credit report for any incorrect or outdated items. If there’s any erroneous information that’s bringing down your score, contact the credit reporting company as soon as possible to have errors removed or disputed. We encourage our customers to speak with one of our home loan experts to help determine the next steps and best course of action to secure a home loan. To learn more about credit management and understanding your credit report, try our free credit counseling service.
  • When is the best time to refinance a home loan?
    To determine if refinancing is right for you call one of SDCCU’s loan experts to help determine what loan programs best fit your financial needs or try one of our mortgage loan calculators, they can help you determine how much you might save from refinancing your home loan with SDCCU . You can contact a SDCCU home loan specialist by calling us or visiting a branch location.
  • How do I get the best rate for a home loan?
    Many factors determine your interest rate but being financially responsible and making your payments on time will have a positive impact on your credit score which helps determine your interest rate. Make sure to check your credit report for any incorrect or outdated items along with any erroneous information that is bringing down your score. Contact the credit reporting agency right away to start the process of having the errors removed or disputed.
  • How do mortgages work?
    When you take out a mortgage, it means you are borrowing money to purchase a home. You make a promise to the lender to pay back the money you borrowed, plus the agreed upon interest and will be required to pay each month based on the terms within your loan documents. Remember your home is used as “collateral,” which means you have agreed with your lender to allow a lien against your home and if you fail to abide by the terms of your mortgage, your lender has certain rights to make sure the obligation is satisfied.
  • What is a fixed rate mortgage?
    A fixed rate mortgage is a home loan that has an interest rate that doesn’t change. That means your interest rate won’t increase or decrease over the life of the loan. Your payment is the same each month, making it easier to budget for. A fixed rate mortgage is one of the two most common home loan options.
  • What are adjustable rate mortgages (ARM)?
    With an adjustable-rate mortgage, the initial interest rate is fixed for a period of time generally 1, 3, 5, 7 or 10 years depending on the loan you select. After this initial period of time, the interest rate can change periodically, at yearly intervals or in some cases every 5 years. The interest rate for an ARM is reset based on a benchmark or index, plus an additional spread called a margin. Your rate will be determined by adding the margin and the index. ARMs typically have lower starting rates which can help lower your payments or allow you to qualify for a higher loan amount.
  • What is a jumbo loan?
    The Fair Housing Finance Agency sets limits for home loan amounts. These loan limits vary from county to county. If you are below the set limit it is known as a conforming loan and when your loan amount exceeds these limits set by the FHFA your loan is considered a high balance or jumbo loan. In some cases a jumbo loan may require a larger down payment or have different credit requirements. SDCCU provides many jumbo loan programs that can help with your financing needs up to $3 million.
  • What is a mortgage lender?
    A mortgage lender is an entity, typically a financial institution like a bank or credit union, which offers financing, known as a mortgage loan, for the refinance or purchase of a home or real estate.