Home Loans


Whether you are a first-time home buyer or experienced homeowner, we at San Diego Firefighters Federal Credit Union are here to offer guidance and financial education. We are passionate about helping members find the best home loan options for your needs.

Not sure how much you can afford or how much to borrow?  Visit our Real Estate Loan Center or give us a call at 619.283.7026. The Real Estate Loan Center is open online 24/7.


Please call 619.283.7026 or 800.973.3328 for current home loan rates. You can also get started online at our 24/7 Real Estate Loan Center.


Use the equity in your home to pay for the things you need, and get a tax write off:¹

  • Access your home’s equity with a revolving credit line that can be used over and over.

  • Finance up to 80% of the combined loan to value (CLTV) to a maximum of $250,000.

  • Our introductory interest rate on a home equity line of credit (HELOC) is as low as 3.99% APR*.

  • Put your house to work for you with low rates and lower payments.

  • 10-year payment term begins after the 15-year draw period.

  • Loan advances can be taken as needed, and interest is charged only on the funds in use.

Member Testimonial

" SDFFCU was wonderful to work with during our loan application for a home equity line of credit.  Sheila made the experience extremely easy and fast.  She was very responsive and our loan was approved in the blink of an eye!  She answered all of our questions and gave us updates along the way which made the process very smooth.  I would highly recommend SDFFCU for all banking needs as they are one of a kind in customer service and friendliness.

Thank you to Sheila and the entire SDFFCU Team!"     Jennie P. & Corey P.

¹Consult your Tax Advisor for complete deductibility and possible tax savings. We offer a low start rate, a low lifetime rate cap and our loan adjusts only once per year. *APR = Annual Percentage Rate

Introductory Annual Percentage Rate (APR*) of 3.99% is offered on single-family owner-occupied homes up to 80% CLTV, and can adjust annually in July. Thereafter, rate increases to the Prime Rate as published in the Wall Street Journal, or the floor rate of 3.99% APR*, whichever is greater plus a margin of 0.75%, and may adjust a maximum of 2.0% annually. The maximum APR (Lifetime Cap) is 9.99%. The minimum APR* (Floor Rate) is 3.99%. Loans on second homes and investment properties are available at different rates/terms. All terms and conditions subject to change. Certain restrictions apply; on approved credit.sdffcu


Home values are on the rise…and so is your home equity!

  • Up to 80% CLTV (combined loan to value) – Fixed interest rate

  • Borrow up to $250,000

  • 10, 15 or 20 year terms

Call us for information at 619.283.7026.  We can take your application over the phone in minutes. Or apply online anytime 24/7 at our Real Estate Loan Center.