One Step Closer to Owning Your Own Home
Whether you are purchasing, renovating, building, or refinancing, a mortgage with SAFE will put you one step closer to making your dreams come true. We offer a variety of real estate loans and mortages, including:
- Residential First Mortgage
- Freedom Low Cost Refinance Options
- Construction to Permanent
- Home Equity Line of Credit (HELOC)
- and more!
|30-Year Fixed Mortgage||as low as 3.500%|
|10-Year Fixed Mortgage||as low as 3.000%|
|30-Year Construction to Permanent||as low as 4.125%|
Residential First Mortgage
First-time home buyers have unique needs. At SAFE, we have a mortgage to support those members.
- Low, fixed 3.500% APR
- 30 year loan as a primary residence
- Up to 100% loan-to-value
Freedom Low Cost Refinance Options
The SAFE way to accelerate your mortgage payoff!
- Fixed rates as low as 3.125% APR
- Repayment Terms from 7 to 25 years
- Limited closing costs and appraisal may not be required
- No prepayment penalties
- Up to 75% loan-to-value
Construction to Permanent
SAFE's new three stage mortgage that allows you to finance the construction of your new home.
Stage 1: Pre-Qualified Application/Decision
Guarantee your interest rate and close your loan before construction.
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.
Home Equity Line of Credit
A HELOC lets you borrow when you need it, in the amounts you need. You only pay interest on what you've borrowed.
- Convenient access to funds
- No closing cost or appraisal if you use a SAFE Federal Credit Union approved closing provider*
- Up to 80% combined-loan-to-value
*Minimum draw amount of $15,000 required for SAFE to pay toward closing costs.Apply for Loan
*Offer is subject to credit union membership, eligibility and verification of information provided on the application. Some restrictions apply. All loans subject to credit approval. Annual Percentage Rates (APR) are fixed and not subject to increase after consummation. An example of a typical 30-year fixed rate mortgage is as follows: A loan amount of $250,000 with an APR of 4.375% would result in a monthly principal and interest payment of $1,248.21. The stated monthly payment amount does not include taxes or insurance costs, and therefore, the payment obligation will be greater. SAFE charges a $950.00 origination fee for processing and underwriting. Federal Housing Administration (FHA) and other government loans are not eligible for the promotion. Cash back to borrowers is not allowed. Terms and conditions are subject to change at any time without prior notice.