Looking to buy or refinance a home? San Diego County Credit Union mortgages are perfect for you! As a trusted mortgage lender and voted San Diego's BEST Mortgage Provider, SDCCU offers low rate conforming and jumbo home loans and quick pre-approvals throughout California. Our experienced team is dedicated to supporting you every step of the way on your path to homeownership. Learn more about our mortgage lending solutions and let SDCCU be your partner in achieving your dream home.
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SDCCU offers several home mortgage loans available to first-time homebuyers or current homeowners who live in Southern California. As a trusted mortgage lender, we want to ensure you find the home loan perfect for you, at the rate you deserve! SDCCU offers a variety of mortgage options to suit different needs, including fixed rate mortgages and adjustable rate mortgages. Fixed rate mortgages provide the stability of predictable monthly payments, while adjustable rate mortgages offer lower initial interest rates. SDCCU also offers government-backed mortgages, including FHA and VA loans.
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Your payment is fixed for the life of the home mortgage loan. Monthly budgeting is easy and affordable, since you will always pay the same amount even if interest rates increase. With this peace of mind, you can confidently plan for your future knowing that your mortgage payment remains consistent and manageable.
With an Adjustable Rate Mortgage, the initial interest rate is fixed for a period of time, 5 or 7 years depending on the loan you select. After this initial period of time, the interest rate can change periodically. The interest rate for an ARM is reset based on a benchmark or index, plus an additional spread called a margin. Your rate will be determined by adding the margin and the index. The initial interest rate is not based on the index plus margin used for later adjustments (the ‘fully indexed rate’) and is lower than the fully indexed rate. After the initial fixed period, the interest rate and monthly payment may increase based on changes to the index plus margin.
Subject to approval.
*Fixed payment examples:
A $420,000, 10-year fixed rate at an interest rate of 5.500% (5.633% APR) would have a monthly principal and interest payment equal to $4,558. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
A $420,000, 15-year fixed rate at an interest rate of 5.500% (5.593% APR) would have a monthly principal and interest payment equal to $3,432. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
A $420,000, 20-year fixed rate at an interest rate of 5.875% (5.950% APR) would have a monthly principal and interest payment equal to $2,979. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
A $420,000, 30-year fixed rate at an interest rate of 6.125% (6.182% APR) would have a monthly principal and interest payment equal to $2,552. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.
**Conforming adjustable rate payment examples:
5/5 Adjustable Rate Mortgage - Borrower Paid
Payment example for a 5/5 ARM single family residence, owner-occupied and second/vacation home, purchase loan, 741 Fico Score, 70% loan-to-value with $420,000 30 year term with a 5.925% APR and with maximum periodic rate increases1: $2,254.65 per month at an interest rate of 5% for the first 5 years; $2,725.91 per month at an interest rate of 7% for years 6-10; $3,163.39 per month at an interest rate of 9% for years 11-15; $3,351.58 per month at an interest rate of 10% for years 16-30. Payment example does not include amounts for taxes or insurance premiums; actual payment obligation may be greater. The initial interest rate is lower than the fully indexed rate.
5/1 Adjustable Rate Mortgage
Payment example for a 5/1 ARM single family residence, owner-occupied and second/vacation home, purchase loan, 741 Fico Score, 70% loan-to-value with $420,000 30 year term with a 5.849% APR and with maximum periodic rate increases2: $2,254.65 per month at an interest rate of 5% for the first 5 years; $2,725.91 per month at an interest rate of 7% for year 6; $3,223.06 per month at an interest rate of 9% for year 7; $3,739.72 per month at an interest rate of 11% for years 8-30. Payment example does not include amounts for taxes or insurance premiums; actual payment obligation may be greater. The initial interest rate is lower than the fully indexed rate.
7/1 Adjustable Rate Mortgage
Payment example for a 7/1 ARM single family residence, owner-occupied and second/vacation home, purchase loan, 741 Fico Score, 70% loan-to-value with $420,000 30 year term with a 5.766% APR and with maximum periodic rate increases3: $2,286.85 per month at an interest rate of 5.125% for the first 7 years; $2,731.83 per month at an interest rate of 7.125% for year 8; $3,198.47 per month at an interest rate of 9.125% for year 9; $3,681.28 per month at an interest rate of 11.125% for years 10-30. Payment example does not include amounts for taxes or insurance premiums; actual payment obligation may be greater. The initial interest rate is lower than the fully indexed rate.
After the initial fixed period, the interest rate and monthly payment may increase based on changes to the index plus margin.
1Rates and APRs accurate as of 3/23/2026. The rates shown are fixed for 5 years, then become adjustable and may increase or decrease once every 5 years. Maximum rate adjustment is 2% per five years and 5% over the life of the loan. The interest rate quoted is determined by the weekly average yield on the United States Treasury, securities adjusted to a constant maturity of five years (CMT) are made available by the Federal Reserve Board plus a margin of 2.75%. Verification of income, credit, assets, homeowners insurance, hazard, and, if applicable, flood insurance required. APRs, rates, terms, and conditions are subject to change. The initial interest rate is lower than the fully indexed rate.
2Rates and APRs accurate as of 3/23/2026. The rates shown are fixed for 5 years, then become adjustable and may increase or decrease once every year. Maximum rate adjustment is 2% for every one year for the life of the loan. The interest rate quoted is determined by the weekly average yield on the United States Treasury, securities adjusted to a constant maturity of five years (CMT) are made available by the Federal Reserve Board plus a margin of 2.75%. Verification of income, credit, assets, homeowners insurance, hazard, and, if applicable, flood insurance required. APRs, rates, terms, and conditions are subject to change. The initial interest rate is lower than the fully indexed rate.
3Rates and APRs accurate as of 3/23/2026. The rates shown are fixed for 7 years, then become adjustable and may increase or decrease once every year. Maximum rate adjustment is 2% for every one year for the life of the loan. The interest rate quoted is determined by the weekly average yield on the United States Treasury, securities adjusted to a constant maturity of seven years (CMT) are made available by the Federal Reserve Board plus a margin of 2.75%. Verification of income, credit, assets, homeowners insurance, hazard, and, if applicable, flood insurance required. APRs, rates, terms, and conditions are subject to change. The initial interest rate is lower than the fully indexed rate.
Buying a new home can be one of the most important purchasing decisions you can make. With so much information out there, it can be overwhelming for those who are unfamiliar with the home buying process. When it comes to home loans and housing rate assistance, San Diego County Credit Union has you covered. Take advantage of these helpful tools below, that were created by our financial experts, or contact one of our branches to speak with a banking expert over the phone or in person!
Learn if an Adjustable Rate Mortgage is the right choice for you.
Explore Adjustable Rate Mortgages HandbookView free home loan calculators to assist in your home buying journey.
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FAQS
Your credit score is one of several factors that determine qualification for a home loan. Other factors that are considered include debt to income ratio, how well you have managed prior credit and length of credit history. There may be steps you can take to improve your credit score. To learn more about credit management and understanding your credit report, try our free credit counseling service.
While your credit score is one of several factors that determine qualification for a home loan, it is an important measure of credit risk. If you have a poor credit profile, you may want to consider taking the time to build your credit and strengthen your personal finances before purchasing a home. If you have not done so already, check your credit report for any incorrect or outdated items. If there's any erroneous information that's bringing down your score, contact the credit reporting company as soon as possible to have errors removed or disputed. We encourage our customers to speak with one of our home loan experts to help determine the next steps and best course of action to secure a home loan. To learn more about credit management and understanding your credit report, try our free credit counseling service.
Many factors determine your interest rate but being financially responsible and making your payments on time will have a positive impact on your credit score which helps determine your interest rate. Make sure to check your credit report for any incorrect or outdated items along with any erroneous information that is bringing down your score. Contact the credit reporting agency right away to start the process of having the errors removed or disputed.
SDCCU offers many convenient ways to make a loan payment. For a loan payment to another account, please use Bill Payer Plus®.
When you take out a mortgage, it means you are borrowing money to purchase a home. You make a promise to the lender to pay back the money you borrowed, plus the agreed upon interest and will be required to pay each month based on the terms within your loan documents. Remember your home is used as “collateral,” which means you have agreed with your lender to allow a lien against your home and if you fail to abide by the terms of your mortgage, your lender has certain rights to make sure the obligation is satisfied.
You can apply for a SDCCU home loan online, by visiting any of our branch locations or by calling us at (877) 732-2848. You can apply to refinance your mortgage or apply to purchase a new home through any of these options.
With an adjustable-rate mortgage, the initial interest rate is fixed for a period of time generally 1, 3, 5, 7 or 10 years depending on the loan you select. After this initial period of time, the interest rate can change periodically, at yearly intervals or in some cases every 5 years. The interest rate for an ARM is reset based on a benchmark or index, plus an additional spread called a margin. Your rate will be determined by adding the margin and the index. ARMs typically have lower starting rates which can help lower your payments or allow you to qualify for a higher loan amount.
A fixed rate mortgage is a home loan that has an interest rate that doesn’t change. That means your interest rate won’t increase or decrease over the life of the loan. Your payment is the same each month, making it easier to budget for. A fixed rate mortgage is one of the two most common home loan options.
The Fair Housing Finance Agency sets limits for home loan amounts. These loan limits vary from county to county. If you are below the set limit it is known as a conforming loan and when your loan amount exceeds these limits set by the FHFA your loan is considered a high balance or jumbo loan. In some cases a jumbo loan may require a larger down payment or have different credit requirements. SDCCU provides many jumbo loan programs that can help with your financing needs up to $3 million.
A mortgage lender is an entity, typically a financial institution like a bank or credit union, which offers financing, known as a mortgage loan, for the refinance or purchase of a home or real estate.
To determine if refinancing is right for you, call one of SDCCU’s loan experts to help determine what loan programs best fit your financial needs. You can also use one of the mortgage loan calculators, as they can help determine how much you might save from refinancing your home loan with SDCCU. You can contact a SDCCU home loan specialist by calling us or visiting a branch location.
Whether you’re buying your first home, refinancing your car, or simply looking for investment advice, we have the products and services you need to get going.
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