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.
Protection against fluctuating rates.
A down payment as low as 3%.
A predictable payment for the life of the loan.1
No loan processing fee when buying a home.2
30-year fixed rates as low as
6.16 % APRWe'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.
LEARN MOREResources for Buying a Home
Yes, You Can Buy a Home in This Competitive Market
Determine Your Fixed-Rate Loan Payment
Get the Right Home Insurance Coverage
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.
Apply Online
Log in with your SchoolsFirst FCU user name and password, or as a guest.
Meet With A Loan Consultant
Discuss your options with a real estate loan consultant in person, over the phone or at a branch.
Call
Monday through Friday, 8 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.
Disclosures
APR = Annual Percentage Rate. All loans subject to approval.
The interest rates and APRs listed above are effective as of
09/27/2025
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. 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.
- Principal and interest payments are fixed. Other costs such as property taxes and homeowners insurance may increase over the life of the loan.
- Available for all primary purchase 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
Offered by SchoolsFirst Insurance Services, LLC subsidiary of SchoolsFirst Federal Credit Union. CA Insurance License 0I19344. Insurance products: 1) are not NCUSIF insured; 2) and are not obligations of or guaranteed by the Credit Union or any affiliated entities. Insurance products are not available in all states. Purchasing an insurance product from SchoolsFirst Insurance Services is not required to originate a loan with SchoolsFirst FCU.