This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
Sandia Laboratory Federal Credit Union Sandia Laboratory Federal Credit Union Go to main content
Routing #307083911|
Login
Online Banking
Business Credit Card
Manage a Home Loan
Manage a Student or Consolidation Loan
Home Loans
Auto Loans
Credit Cards
Personal Loans
Student Loans

Home Loans

Home Refinancing

Home Equity CreditLines

HomeAdvantage®
Home Buying Tools

Upload Home Loan
Documents

View Rates

Apply Now

New & Used Auto Loans

Auto Buying Center

Other Vehicles

AutoSMART
Car Buying Tools

Protect Your Investment
in Your Vehicle

View Rates

 

Visa Signature®

Visa Platinum® Rebate

Visa Platinum® Value

Credit Card Benefits

View Rates

 

CreditLines

Signature &
Secured Loans

View Rates

Student Loans

Student Loan Consolidation

View Rates

Couple moving in to a new home.

Fixed Rate Mortgages

Consider this mortgage if you are looking for long-term rate and payment stability. Lock in a low interest rate and get a fixed monthly payment, a variety of terms, and the option to pay points to reduce your rate.

Your fixed rate mortgage will be serviced by SLFCU – from application and processing to closing the loan and beyond. When you make a payment or have a question, you’ll talk to the professional, friendly staff at SLFCU.

Get started today: APPLY NOW     Estimate Your Payments


LOW DOWN PAYMENTS, NO PMI

With a good credit history, you can put down as little as 5% in most markets; for lower credit scores, a 10% down payment is required. SLFCU can loan 80% on a first fixed-rate mortgage and finance the rest with an adjustable rate second mortgage. With this loan structuring, you avoid paying Private Mortgage Insurance (PMI).


FIXED RATE MORTGAGE RATES

Fixed Rate Mortgages
Effective Date: Friday, October 15, 2021
TermPointsRateAPRPayment Per $1,000 Financed
30 Year 0.750% 3.125% 3.266% $4.28
30 Year 0.250% 3.250% 3.352% $4.35
30 Year -0.250% 3.375% 3.457% $4.42
20 Year 0.375% 3.000% 3.155% $5.55
20 Year 0.000% 3.125% 3.239% $5.61
20 Year -0.500% 3.250% 3.365% $5.67
15 Year 0.375% 2.375% 2.568% $6.61
15 Year 0.000% 2.500% 2.641% $6.67
15 Year -0.375% 2.625% 2.767% $6.73
10 Year 0.375% 2.250% 2.532% $9.31
10 Year 0.000% 2.375% 2.579% $9.37
10 Year -0.375% 2.500% 2.706% $9.43

Return to home loan options


Mortgage Disclosure: Maximum loan-to-value is 80% for all fixed rate mortgages and standard adjustable rate mortgages. Rates subject to change; check with SLFCU for current rates. If loan does not close, fees incurred will be charged to the member. A $45 initial credit report fee applies to all loans. All loans subject to credit approval. Contact SLFCU for details.

5/5 Adjustable Rate Mortgage Disclosure: Rate for the remaining term adjusts every five years and is based on the then-current index plus margin, rounded to the nearest eighth of a percentage point, and subject to the floor rate.

Go to main navigation