Our Mortgages Will Have You Grinning from Ear to Ear

You’ll be smiling when you choose SAFE for your mortgage or construction loan. We make it affordable to buy or build. 

Want more to smile about? Call us at 803.905.7589 to talk with one of our mortgage professionals so we can start making your dream home come true!

Residential First Mortgage

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

  • Low, fixed 3.750% APR
  • 20 year loan with 1% origination fee as a primary residence
  • Up to 80% loan-to-value
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The SAFE way to own your home in seven years!

  • Low, fixed 3.375% 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

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*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. The closing cost credit is variable and may be up to $1,000. The discount will be applied at closing as a lender credit. Eligible closing costs are limited to attorney fees and excludes escrow, origination fees, appraisal fees, insurance prepaids, daily interest, title policies or transfer tax fees. The closing cost credit is available on new purchase first mortgages and construction loans for primary residences for applications received by September 15, 2019 and that close within 45 days after that date. 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.