Purchase Loans - Stanford Federal Credit Union Skip to main content
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Global supply chain issues are impacting delivery times for plastic credit and debit cards. We appreciate your patience and understanding as you wait for your card. A digital version of your card is always available in Online Banking and the mobile app, so you can load it to your mobile wallet, add it to your subscriptions, and shop online. Go to Services > MORE OPTIONS > Digital Card.

Alert Notification Icon

Global supply chain issues are impacting delivery times for plastic credit and debit cards. We appreciate your patience and understanding as you wait for your card. A digital version of your card is always available in Online Banking and the mobile app, so you can load it to your mobile wallet, add it to your subscriptions, and shop online. Go to Services > MORE OPTIONS > Digital Card.

Purchase Loan

For most of us, buying a home is the biggest
purchase of our lives…

Which is why you need a home loan partner that genuinely cares about you, not a commission. Your not-for-profit credit union puts our member/owners first, and we’re mortgage experts too!

metal keys and house shaped keychain

Purchase Loan Highlights

  • First-time home buyers, second homes and investment properties
  • Fixed-rate and adjustable-rate mortgages (ARMs)
  • 80/10/10 to avoid paying mortgage insurance (MI) – CA only
  • Conforming and jumbo loan amounts
  • Down payment as low as 3%
  • Low fees (no junk fees)
  • No pre-payment penalties
  • 7-year/6-month interest-only ARM option for lower payments and improved cash flow
  • 0.35% mortgage rate discount when you invest 37.5% of your loan amount in a high-rate 12-month Certificate (or 0.25% discount with a 25% investment)*
View Disclosures
first time home buyer

First-time home buyer programs

Stanford FCU has options to help all first-time homeowners qualify for a home loan!

  • Down payments as low as 3%
  • Non-traditional credit accepted
  • Lower credit scores okay

 

Speak with a Mortgage Consultant today!

Free Credit Report

Great credit means low rates–check yours now!

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Save $675 in mortgage fees with an Ambassador-Level Membership Rewards relationship!

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All loans and terms are subject to credit approval and membership eligibility.

Home Mortgage Disclosure Act (HMDA) Notice
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.