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MORTGAGES

SAFE Federal Credit Union offers members the ability to apply online for a mortgage loan. Whether you are purchasing, renovating, building or refinancing, SAFE's online application will put you one step closer to making your dreams come true.

SAFE offers an array of products to meet every members mortgage need.

• Conventional Loans
• Condos
• Second Homes
• Investment Property
• Jumbo Limits
• FHA
• VA
• Fannie Mae

SAFE IS GOING GREEN!

When it comes to doing the right thing to protect the environment, every little bit counts. However, sometimes doing the right thing may not always be affordable.

To lower the overall cost of making energy efficient home improvements or the purchase of a hybrid vehicle, SAFE is offering members reduced rate loans.

"GO GREEN" Home Equity Loan:

Finance your energy-efficient home upgrades with SAFE and you'll be able to take advantage of our reduced rate up to 1%. Loan will be a closed-end, fixed-rate loan.*

• A green home improvement loan can include the following:
• Energy efficient appliances
• Efficient lighting
• Window replacement
• Water saving or low flow sprinkling systems, drought resistant/ecological landscaping
• Water heating reduction appliances and equipment
• Energy efficient roofing
• Solar, including passive; wind power
• Heating/cooling
• Insulation
• Waste reduction; recycling; and composting.

*Purchase must meet requirements of SAFE Green Project List. Minimum loan amount is $15,000. Maximum term is 180 months. A minimum of 50% of the loan must go to the energy efficient home improvement. Discounts are prorated.

Save money, save energy, and save the environment!

Home Rewards Program

Your dream can be a reality! Buying and/or selling a home can be a stressful life event, whether you are doing it for the first time or the fifth! SAFE Federal Credit Union helps eliminate that stress by offering you many mortgage options to make your financing decision easier. And by using SAFE's Home Rewards - Real Estate Assistance Program, we will help to eliminate the challenge of finding the right home and getting you settled in. You will reap the rewards of working with our real estate expert team, and get cash back* too!

SAFE's Home Rewards - Real Estate Assistance Program saves you time and money by putting the best real estate professionals to work for you. Work with specially-trained agents from national brokers you know and trust - CENTURY 21®, Coldwell Banker®,
ERA®, and Sotheby's International Realty®.

When you buy and/or sell your home or investment property through the SAFE's Home Rewards program, you'll reap the rewards:

• Personal attention: a dedicated program specialist who'll provide you with one-on-one attention and guidance throughout the entire purchase and/or sales process
• Experienced real estate coordination
• Recommendation of top tier, background checked, certified local real estate agents
  from nationally recognized brokers
• Cash-back bonus - earn cash back* on the sale and/or purchase price of your home when you close through our recommended broker.

Sales Price of Property

$50,000 - $99,999       $200
$100,000 - $149,999   $500
$150,000 - $199,999   $700
$200,000 - $249,999   $800
$250,000 - $299,999   $1,000
$300,000 - $349,999   $1,200
$350,000 - $399,999   $1,400
$400,000 - $449,999   $1,600
$450,000 - $499,999   $1,800
$500,00 and more       $2,000

Additional Benefits:
Need to self move? Receive discounted rates from Budget Truck Rental -
   >>  call 1(800)506-4075
   >>  Mention code #56000049449

HomeExpress - full service movers, competitive rates, receive a free moving estimate
   >>  call 1(800)343-8099

Need storage? PODS offers a nationwide solution for portable on demand storage -  
   >>  call 1(866)667-5573
   >>  Mention code: CPBC

Renting? EasyTourism Rental Program helps you find the right place at the right price -
   >>  call 1(866)647-4403

Homes.org, provider of utility, phone, cable, TV and Internet service connect/disconnect.
   >>  Nationwide transfers & discounts
   >>  call 1(877)665-4561

Let SAFE's Home Rewards Program make your next move your best.

Call today 1(800) 379-2041

*Cash back not available by law in some states. All real estate commissions are
negotiable. You must be represented by the assigned Program real estate firm at
closing to qualify. Contact the SAFE Home Rewards program for terms and
conditions and to confirm eligibility.

>> Apply for a Mortgage with SAFE FCU here!

For more information on any of the listed products, please call our Mortgage Department at (803) 469-8600 Ext 313.

All rights reserved. Copyright 2009 - 2010, SAFE Federal Credit Union