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Fixed-Rate Mortgages

Get a great rate and consistent monthly payments.

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Choose a 15- or 30-year term for protection against fluctuating rates.

 

A down payment as low as 3%.

 

Choose no Private Mortgage Insurance, or PMI, to save hundreds on monthly payments.1

 

No loan processing fee.2

30-year fixed rates as low as

6.92 % APR
CURRENT MORTGAGE RATES
Faviola and Jorge R. Members Since 2002
Faviola and Jorge R. MEMBERS SINCE 2002

Why Choose Our Fixed-Rate Mortgage?

Our fixed-rate loan offers more than just a competitive rate and fixed term for the life of the loan. Save more upfront by paying as little as 3% for your down payment. You can also choose to forego PMI, which can drop your monthly payments by hundreds of dollars a month.1

We'll help you achieve the dream of homeownership.

Full-Service Homebuying with SchoolsFirst FCU Home360®

We'll pair you with a loan consultant and local real estate agent to guide you through every step of buying or selling your home, with expert advice and exclusive discounts to save you thousands.

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Resources for Buying a Home

Yes, You Can Buy a Home in This Competitive Market

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Determine Your Fixed-Rate Loan Payment

CALCULATOR

Get the Right Home Insurance Coverage

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Protect Your Biggest Investment

  • Homeowners Insurance: Make sure you're protected from losses due to fire, lightning, burglary, vandalism, storms and more.
  • Condominium Insurance: Get coverage for interior walls and floors, personal property and personal injury.
  • Earthquake Insurance: This separate policy helps you recover, replace and rebuild if a tremor damages your home.
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Apply Online

Log in with your SchoolsFirst FCU user name and password, or as a guest.

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Get Professional Guidance

Discuss your options with a real estate loan consultant in person, over the phone or at a branch.

MAKE AN APPOINTMENT
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Call

Monday through Friday, 8 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.

(800) 462-8328, EXT. 8288
Disclosures

APR = Annual Percentage Rate. All loans subject to approval.

The interest rates and APRs listed above are effective as of 01/14/2025 and are subject to change without notice. The pricing you may qualify for is based on factors including your credit rating and loan-to-value (LTV) of your property. A minimum credit qualifying score is required. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose and income/financial obligations. A minimum credit qualifying score is required. Rates and programs are subject to change without notice. Lending area: State of California.
  1. Available for school employees only. Programs available with no PMI with increases applied to interest rate/APR; loan-to-value range from 80.01% - 95%; minimum down payment of 5%; eligible properties are primary residence single-family homes and condominiums; condominium subject to additional rate adjustment. Please contact a real estate loan consultant for details.
  2. Available for all primary residence loan types. Application must be dated no later than 12/31/2025. Fully executed purchase contract on an identified property must be submitted no later than 12/31/2025. Does not apply to equity loan or first mortgage refinances. The amount of the processing fee waived is $995.

NMLS Identifier: 405503

CA Insurance License 0I19344. Purchasing an insurance product from SchoolsFirst Insurance Services is not required to originate a loan with SchoolsFirst FCU.