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Sandia Laboratory Federal Credit Union Sandia Laboratory Federal Credit Union Go to main content
Routing #307083911|
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Home Loans

SLFCU's home loans work for you. Whether you're a first-time home buyer, have a growing family, need to downsize, or are looking to refinance, SLFCU has a loan that meets your needs.

PAY 0$ IN MORTGAGE ORIGINATION FEES!

Now through June 30, 2022, SLFCU is waiving origination fees on all owner-occupied first mortgages originated. That’s more money you can use for your down payment or to make repairs and upgrades to your new home!

Apply Now     Estimate Your Payments     View Our Rates      Upload home loan documents 


HOME LOAN OPTIONS

All of our mortgages are 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.


GETTING STARTED


WHY CHOOSE SLFCU?


ADDITIONAL HOME BUYING RESOURCES


RATES

15/15 Adjustable Rate Mortgages

15/15 Adjustable Rate Mortgages
Effective Date: Wednesday, June 29, 2022
TypeTermRate 1st 15 YearsAPRPayment Per $1,000 Financed
15/15 1st 30 Years 4.875% 5.131% $5.29
Jumbo1 15/15 1st 30 Years 4.875% 5.131% $5.29

APR = Annual Percentage Rate. Rate and payments adjust only once at 15 years. Rate is variable and can increase by no more than 6.00% at the 15 year adjustment.

Valid for adjustable rate first mortgages for owner occupied properties. Construction loans are excluded from this offer. Maximum loan-to-value is 80%. Rate for the remaining term adjusts at 15 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 of 4.00%. Index is the one-month average yield of the 10-Year United States Treasury Security. Rates subject to change; check with SLFCU for current rates. A $45 initial credit report fee applies to all loans. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. You will receive an estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest. You must insure the property that secures the loan. Fees subject to change without notice. If loan does not close, fees incurred will be charged to the member. APR Calculations are based on the following loan amounts for properties located in New Mexico or California: Non-Jumbo: $180,000, Jumbo: $647,200. All loans subject to credit approval. Contact SLFCU for details.

1 For loans over $450,000

5/5 Adjustable Rate Mortgages

Owner Occupied 1st
Effective Date: Wednesday, June 29th, 2022
TypeTermRate 1st 5 YearsAPRCurrent Calculation of Rate Remaining Term 1Payment Per $1,000 Financed
5/5 1st 30 Years 4.000% 4.640% 4.000% $4.77
Jumbo 2 5/5 1st 30 Years 4.000% 4.620% 4.000% $4.77
5/5 >80%3 1st 30 Years 4.500% 4.825% 4.250% $5.07
Jumbo 2 5/5 >80%3 1st 30 Years 4.500% 4.805% 4.250% $5.07

APR = Annual Percentage Rate. Rate and payments adjust only once every 5 years. Rate is variable and can increase by no more than 2.0% every five years with a lifetime cap of 5.0%. 4.00% floor rate applies beginning at first adjustment.

Valid for adjustable rate first mortgages for owner occupied properties. Construction loans are excluded from this offer. Maximum loan-to-value is 80%. 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. Index is the one-month average yield of the 10-Year Treasury Note. Rates subject to change; check with SLFCU for current rates. A $45 initial credit report fee applies to all loans. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. You will receive an estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest. You must insure the property that secures the loan. Fees subject to change without notice. If loan does not close, fees incurred will be charged to the member. APR Calculations are based on the following loan amounts for properties located in New Mexico or California: Non-Jumbo: $180,000, Jumbo: $647,200. All loans subject to credit approval. Contact SLFCU for details.

1 Since the index in the future is unknown, the Current Calculation of the Rate for the Remaining Term displayed is based on the current index plus margin (fully indexed rate) as of the date above, subject to the floor rate of 4.00%.

2 For loans over $450,000

3 For properties outside California: Up to 97% maximum loan-to-value for first-time homebuyers, 95% loan-to value for all other purchases.
   For properties in California: Up to 90% maximum loan-to-value.

Apply Now     Estimate Your Payments     View More Rates      Upload home loan documents