Real Estate Loans

Buying a home is a big step—and we're ready to help. SAFCU's Mortgage Center has everything you need to find the perfect home loan, as well as provide valuable insights into the home-buying process. Our Mortgage Center features a current rates tracker, calculators, insurance information, refinancing options, and most importantly, an online loan application.

A Wide Variety of Mortgage Options

We have a loan for nearly any financial situation. Here's a quick sample:

  • Fixed Rate Mortgage - This "traditional" loan maintains its original interest rate throughout the entire life of the loan.

  • Adjustable-Rate Mortgages - A loan that offers initial fixed payments that vary after the initial term based on current index rates.

  • FHA/First Time Homebuyers Program - We have several options that require minimal down payments and loan fees.

  • Jumbo Loans - If your financing needs are greater, a jumbo loan may be the right choice.

Apply for a SAFCU mortgage: Call (866) 936-0585 or visit our branch.

SAFCU Home Equity At-a-Glance

Home Equity Line of Credit

Up to 80% loan to value- Variable Rate as low as Prime

with 12-month Introductory Discount of 1.00%

Prime rate as of is 5.25%*
Second Trust Deeds APR* Payment per $1,000
181 to 240 Months and up to 80% loan to value As low as 5.99% APR* $7.17 (based on 240 months)
121 to 180 Months and up to 80% loan to value As low as 5.49% APR* $8.17 (based on 180 months)
61 to 120 Months and up to 80% loan to value As low as 4.99% APR* $10.61 (based on 120 months)
Up to 60 Months and up to 80% loan to value As low as 4.49% APR* $18.65 (based on 60 months)

Second Trust Deed

SAFCU's Home Equity Loan lets you borrow the money you need at a rate lower than most consumer loans including credit cards, personal loans and retail charge cards. In addition, interest paid on a Second Trust Deed may provide valuable tax deductions.1 Add it all up and our Second Trust Deed is the smart way to borrow.

Second Trust Deed Details

  • Borrow up to 80% of the value of your property
  • Terms of 5, 10, 15 or 20 years
  • Interest may be tax-deductible1
  • Low fixed rates and payments

Apply for a SAFCU Second Trust Deed: Call (866) 936-0585 or visit our branch.

1Speak to your tax advisor. 

Home Equity Line of Credit

SAFCU's Home Equity Line of Credit (HELOC) is the flexible way to access the equity in your home. Once you are approved, you can draw from a revolving line of credit. You only pay interest on the money you draw. As you pay it back, it becomes available again to borrow when you need a low-rate loan. Similar to our Second Trust Deed, interest paid on a HELOC may provide valuable tax deductions.1

HELOC Details:

  • Borrow up to 80% of the appraised value of your property
  • Low cost option - No application fees or points
  • Interest may be tax-deductible1
  • Easy cash access
  • 25 year term with draw period over first 10 years

Apply for a SAFCU Home Equity Line of Credit: Call (866) 936-0585 or visit our branch.

SAFCU Home Equity At-a-Glance
Second Trust
Deed Loan
Home Equity Line of Credit
Purpose A one-time financial need, such as a home repair or car purchase. A one-time financial need, as well as ongoing credit needs.
Interest Rate Fixed interest rate Variable interest rate
Payment Options Fixed monthly payment Monthly payments are low, based on the outstanding balance, not the total amount of the credit line
Cash Access Paid out in a single check or electronic transfer Via online banking, touch-tone banking, convenience check, or by phone. Funds transferred to your credit union checking can be accessed via ATM.
Revolving credit line No Yes
Tax deductible interest Yes1 Yes1

1Speak to your tax advisor for details.

Mortgage Loan Originators

Santa Ana Federal Credit Union Institution ID # 419857
Jill Mahany, MLO # 568773
John Hendrix, MLO # 568770
Joseline Meza, MLO # 1666879