SDCCU Mortgage Options
SDCCU has you covered with our wide range of mortgage options. Whether you're in the heart of San Diego or anywhere in California, our mortgage and equity programs offer the flexibility and stability you desire for your home financing needs. Enjoy the stability of our low-fixed rate mortgages for 30-year or 15-year mortgage terms, providing consistent payments over the long term. Learn more about each option and discover the mortgage solution that aligns with your financial goals and homeownership dreams.
SDCCU offers the following home loan options:
- 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 properties. Condos must be Fannie Mae approved (warrantable). Condos, manufactured homes and 2-4 unit properties will have adjustments.
Explore the most popular home loan options:
30-Year Fixed Rate Mortgage
SDCCU's 30-Year Fixed-Rate Mortgage provides stability and long-term financial planning. With a consistent interest rate and monthly payment over the entire 30-year term, you can enjoy predictability and peace of mind. Compared to shorter-term options like a 15-Year Fixed Mortgage, the 30-Year Fixed Mortgage offers lower monthly payments.
15-Year Fixed Rate Mortgage
Providing a consistent interest and monthly payment over the entire 15-year term, the 15-Year Fixed-Rate Mortgage offers benefits such as accelerated equity growth and substantial interest savings in comparison to a 30-Year Fixed-Rate Mortgage. This mortgage option is particularly well-suited for borrowers who are looking to pay off their mortgage faster, build equity quickly and save on interest expenses.
We offer a variety of rates and terms for your individualized needs. Contact one of our Real Estate Loan Specialists at (877) 732-2848 to learn more.
A $420,000 30-year fixed rate at an interest rate of 7.000% (7.056% APR) would have a monthly principal and interest payment equal to $2,794.26. 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 6.875% (6.966% APR) would have a monthly principal and interest payment equal to $3,745.79. 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.
Certain terms and conditions may apply. Programs available for properties located in California. Subject to approval. Rate lock available with a specific property identified.