Home Loans

Whether you’re buying, refinancing or want to make the most of your home’s equity, we can help you select the loan that is right for you.
Our various mortgage and equity options, fast approval and flexible payments will save you time and money.

SBSEFCU is now an approved Federal Housing Administration (FHA) Home Loan lender
The FHA Home Loan program is a popular first time homebuyer program. Some of the benefits this program offers to home buyers are:

• competitive rates
• allows people with blemished credit to qualify for a home loan
• allows smaller down payment
• lower closing costs and much more

Purchase or Refinance
If you are interested in buying or refinancing, visit our online Home Loan Center. In partnership with CU Members Mortgage, your credit union brings you easy access so you can apply online, check on the status of a loan, use online tools and get other helpful home buying and refinancing tips. Our Home Loan Center is free and available 24/7.

Home Equity LOC
Use your equity to purchase a new car, pay for college expenses, make home improvements or pay off credit cards - whatever you choose! Borrow up to 80% of appraised value less any liens. Take a minimum of $10,000 and a maximum of up to $175,000. With a SBSEFCU Home Equity LOC, you save with a low variable rate, no prepayment penalties, application fees or service charges.