Home Mortgages

Whether you're buying a new home, improving your current home, or borrowing against your home equity, SAC FCU has a financing option for you. Our Mortgage Loan Officers will guide you through every step of the loan process. Scroll down to see a list of the different home loan programs and financing options offered at SAC FCU. Call or email one of our Mortgage Loan Officers for current rates and program details, or to schedule an appointment at any of our convenient locations. Apply online here.

Home Mortgages

Buying a home is one of the biggest expenditures you'll ever make. It's an exciting experience, but it can also be confusing. That's why our Mortgage Loan Officers take the time to explain every detail and help you select the home loan that's right for you.

Home Loan Programs:

  • VA loans
  • Conventional loans
  • Lot loans

Financing Options:

  • Fixed and Adjustable Rates
  • Purchases and Refinances
  • Primary Residence and Investment
  • 10, 15, 20, or 30 year terms are available.

(Property must be located within a 100 mile radius of SAC Federal Credit Union.)

Call one of our Mortgage Loan Officers for current rates.

Our Mortgage Loan Officers:

Surie Legge

NMLS ID: 545289

Rachel Moeller

NMLS ID: 1079441

Sarah May

NMLS ID: 1191951


Home Sweet Loan: 3% Down Payment Mortgage

Financing a home is an important investment that can be a complex process. Whether it’s your first home purchase or you have owned before, SAC Federal Credit Union has mortgages that you can understand. With a lower down payment, no prepayment penalty, and in-house servicing, you’ll know you’re making the right move.

Product Features & Benefits

  • Pay only 3% down
  • Available for 30-year terms or less
  • No prepayment penalty
  • Application deposit of $420 is credited back at closing
  • SAC FCU checking account with automatic loan payment required

Ask about no lender closing costs. Also available for 97% Loan to Value Rate & Term Refinance.

Property must be located within 100 miles of the Credit Union’s Main Branch. Loans are subject to approval criteria: not all applicants will qualify. Some restrictions apply. Contact a Mortgage Loan Officer for details. Sample fixed rate monthly payment on a $100,000 mortgage loan at 3.75% Annual Percentage Rate (APR) for 30 years including mortgage insurance is $531.45. This sample payment assumes a 97% loan to value (LTV) mortgage with a 700 credit score and does not include escrows for Real Estate Taxes and Homeowner’s Insurance. Interest rates are subject to change.