Experience the joy of homeownership with low monthly payments and low down payments. The variety of Home Loan programs offered by SDCCU® gives you greater flexibility in obtaining just the right financing option for your next Home Loan.

	Fixed Rate	Adjustable Rate	Interest Only¹
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Perfect if...	You want fixed monthly payments.	You want to afford more home and you expect an increase in your income.	You want the flexibillity to make principal payments when you can.
Fixed Rate
Adjustable Rate
Loans up to $1,500,000²
15, 20, 30 or 40-year term
Fixed initial term 1, 3, 5 or 7 years
Up to 95% financing
Online account access
Free 45-day rate lock available
No obligation pre-approval
Loans serviced locally by SDCCU

"Piggyback" Home Loans are available for refinances: 80/10/10.

Calculate what you can afford with our convenient online calculators, then apply online and get a decision in minutes.³

For more information on any of our Home Loans, please contact a Real Estate Specialist at (877) 732-2848 or email us at realestate@sdccu.com with your request or visit any of our convenient branch locations.

Resources
Compare Loan Programs and Payments
Home Loan Application
Glossary
FAQs
Current Rates

¹Interest Only program available on a fixed rate 10/20 and a 30 year amortized 5/1 ARM.
²Higher loan amounts may be available.
³The approval is subject to verification of the information contained in the loan application. There is a $350 deposit required to process a loan, which is credited toward appraisal and closing costs.