Mortgages

Purchase Loan

Home loans with human interest

We realize the importance of providing a variety of loan products to our members. That’s why we have them all … Conforming and Jumbo loans, fixed-rate and adjustable-rate loans, 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 banks because we’re not-for-profit. While they stand for turning a profit, we stand for you.

Please speak with a Mortgage Consultant for details on all of our loan products.

Features

Understanding Home Loans

Learn the ins and outs of mortgage loans, whether you’re a first-time homebuyer or considering a refinance.

Explore

We know the real estate environment and we’re ready to move quickly when you’re ready to buy!

  • Fixed Rate Home Loans (fixed-rate loans are available in all states, with limitations on maximum loan amounts)
  • Adjustable Rate Home Loans (ARM)
  • Jumbo Home Loans
  • Other Home Loan Options to meet your needs
  • Competitive rates
  • Low down payment requirements
  • Low fees (no junk fees)
  • Flexible terms
  • Knowledgeable Mortgage Consultants
  • Local processing – right here in Palo Alto
  • Finance Home Loans outside California
  • Membership Rewards Benefits

Rates

The home loan rate is one of the most important factors in buying a home. Besides the amount of the loan, the factor that most affects the affordability of your home loan is the interest rate you pay on your loan. Your monthly mortgage payment includes: (1) the interest you owe on your outstanding loan balance and (2) a portion of the principal itself, which reduces the remaining loan balance. The lower the interest rate, the lower your monthly payment. Consider that a one-percentage point difference in mortgage rates can translate to a 10% difference in the monthly mortgage payment. Since rates fluctuate daily depending on many economic factors, we encourage you to check rates frequently, to determine how much you can afford.

 

Click here to see our current Mortgage rates.

Disclosures

All members are required to have a $5 membership share balance in any of the following accounts: Checking Account, Savings Account, Money Market Account, Share Certificate or Individual Retirement Account.

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. Click here to view.
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