4926 La Cuenta Drive, San Diego, CA 92124
800.973.3328
sdffcu@sdffcu.org
M-F 8:00am - 3:30pm
Home Loans
Home Equity & Home Improvement Loans
What is Home Equity?
Home equity represents the difference between your home's market value and the remaining balance on your mortgage. Tap into the equity you've built to fund home renovations, support your growing family, cover educational expenses, or consolidate debt. Whatever your goals may be, SRCFCU is here to provide flexible solutions tailored to your needs.
Current Rates
| Loan Type | Approximate Term | Annual Percentage Rate* (As Low As) |
|---|---|---|
| Home Equity/Home Improvement | Up to 60 Months | 6.74% |
| Home Equity/Home Improvement | Up to 120 Months | 6.99% |
| Home Equity/Home Improvement | Up to 180 Months | 7.24% |
| Home Equity/Home Improvement | Up to 240 Months | 7.49% |
Email loans@srcfcu.org, visit a branch location, or call (850) 623-3877.
Mortgage Refinance Loans
Take advantage of a First Mortgage Refinance Loan and lower your interest rate to reduce your monthly payments and save on interest over the life of your loan!
Benefits Include:
Shortening Your Loan Term: Pay off your mortgage faster and save on total interest.
Switching Loan Types: Move from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage for more predictable payments.
Accessing Home Equity: Take cash out for major expenses like home improvements, debt consolidation, or education.
current rates
| Loan Type | Approximate Term | Annual Percentage Rate* (As Low As) |
|---|---|---|
| First Mortgage Refinance | Up to 60 Months | 6.49% |
| First Mortgage Refinance | Up to 120 Months | 6.74% |
| First Mortgage Refinance | Up to 180 Months | 6.99% |
Land Loans
SRCFCU offers Land Loans to finance the purchase of land that has not been developed or improved in any way (aka Unimproved Property Loans). Borrow up to 90% loan-to-value for up to 20 years. Max amount of $250,000.
We require as little as just 10% down!
cURRENT rATES
| Loan Type | Approximate Term | Annual Percentage Rate* (As Low As) |
|---|---|---|
| First Mortgage Refinance | Up to 60 Months | 6.49% |
| Land Loan | Up to 60 Months | 6.99% |
| Land Loan | Up to 120 Months | 7.74% |
| Land Loan | Up to 144 Months | 7.74% |
| Land Loan | Up to 180 Months | 7.74% |
| Land Loan | Up to 240 Months | 7.99% |
How to Apply for Any of Our Home Loans:
Contact Our Team
Reach out to our dedicated Lending Team today to help you get customized quotes, competitive rates, and expert guidance for all of our Home Loan needs.
You can also:
1) Download an application.
2) Email your completed application to our loan officers at mortgages@srcfcu.org.
QUESTIONS?
Contact one of our friendly loan officers TODAY!
Email mortgages@srcfcu.org or reach out to your nearest branch location.
Disclaimers: NMLS#416274. Standard credit qualifications and other terms and conditions apply. Loans are subject to credit approval. Call 850-626-8916 for credit costs and terms.