Purchasing a home is a big investment. SAFE is here to help.

At SAFE, we offer a variety of mortgage options designed to fit your needs. Our Member Service Representatives will walk you through the path to home ownership from start to finish. We’ll help you determine how much you can afford, calculate your monthly payments, and help to secure a suitable loan.

We know you are faced with a lot of choices in buying a home, but we have clear options to make your home buying easier!

To consider which home loan option is best for you and to begin the application process, please call (803) 469-8600 ext. 2313 or visit us at one of our SAFE branches

Residential First Mortgage

First-time home buyers have unique needs. At SAFE, we have a mortgage to support those members.

  • Low, fixed 3.875% APR
  • 20 year loan with 1% origination fee as a primary residence
  • Up to 80% loan-to-value
Apply for Loan
Freedom 7 Mortgage

The SAFE way to own your home in seven years!

  • Low, fixed 3.125% APR
  • No closing costs or appraisal
  • No prepayment penalties
  • Up to 70% loan-to-value
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Construction to Permanent

SAFE's new three stage mortgage that allows you to finance the construction of your new home.

  • Stage 1: Application/Decision
    Lock your interest rate and close your loan before constuction.
    This is a one-time closing with no need to re-qualify for the permanent phase.
  • Stage 2: Building and Disbursement
    During construction, disbursement is made to cover the cost to build; interest is paid only on the outstanding balance.
  • Stage 3: Conversion
    Upon completion, the loan converts to a permanent mortgage.
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Home Equity Line of Credit

A HELOC lets you borrow when you need it and in the amounts you need. And you only pay interest on what you've borrowed.

  • Convenient access to funds
  • No closing cost or appraisal*
  • Up to 80% combined-loan-to-value

*Minimum initial loan amount is $15,000

Apply for Loan

*SAFE Federal Credit Union is an equal housing lender and is federally insured by the NCUA. APR=Annual Percentage Rate. Mortgages on approved credit with optional terms including 10, 15, 20 and 30-year repayment term. Rates and monthly payment vary based on creditworthiness, term, loan to value, and other factors. Minimum down payment is 3% of loan with maximum loan amount of $424,100.