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Purchase Loans
We realize the importance of providing a variety of loan products to our members. That's why we have them all...fixed rate loan programs, adjustable rate programs, loans on leased land, and many other programs. What's more, you'll find that Stanford FCU doesn't charge the junk fees that other lenders charge. Simply put, our fees are generally lower and fewer than the competition.
The Right Loan for You and Your Home
We offer a wide variety of loan programs tailored to your needs. With an abundance of loan programs out there, we know it can be overwhelming. Remember, you're not alone in the decision-making process. Our in-house loan experts are here to help you sort through the clutter.
Express-9 Closing Guarantee
Express-9 Closing Guarantee*, guarantees super-fast approval and home loan closing in 9 days or you'll receive a $100 Visa® gift card! Learn more now!
What to Expect From the Application Process
At Stanford FCU, we understand the value of time. Most importantly, the value of our members' time. That's why we've streamlined our loan application process to ensure a speedy experience.
Loan Qualification Criteria
Purchasing a home will require assessing what you can afford. It takes into account your assets, liabilities, income and credit. For monthly housing expenses, you'll want to use no more than 33% of your pre-tax income as a general criteria for qualification. This includes paying your mortgage, insurance and taxes. If your ratio is higher, don't worry! Stanford FCU has a wide array of products to meet your specific needs. Simply talk to one of our in-house experts to get the right loan program designed for you.
