HOME LOANSHow can SDFCU help me

buy or refinance a home?

We offer a wide range of borrowing options and personalized service to help get you in your new home or lower your existing payments.

Our unique and specialized mortgage and refinancing options feature:

• No application fee

• Free 60-day rate lock*

• Convenient online application

• Low interest rates

• No prepayment penalty

• Lifetime loan servicing by trusted SDFCU representatives

*A variety of rate lock options available.

Will I be able to afford a new home?

With a variety of term options available, we can help you get a mortgage to fit your budget.

Our options include:

• Fixed Rate Mortgages - 30, 20, 15, and 10 year terms up to 95% Loan to Value (LTV)

• Adjustable Rate Mortgages (ARM) - terms include 3/1, 5/1, 7/1, 10/1

• Special 5/5 ARM - up to 95% LTV on primary homes, and up to 85% LTV on second homes, with no Private Mortgage Insurance required — that means you put less money down

Additional Mortgage Loans:

• Investment properties: 15 year term and up to 85% LTV

• Super Conforming loan amounts up to 90% LTV

• Jumbo loan amounts up to 90% LTV

800.296.8882703.706.5000

www.sdfcu.org

sdfcu@sdfcu.orgFederally insured by NCUA

How can buying or selling a home through the

HOMEAdvantage™ Program**

benefit me?

Through the HOMEAdvantage™ Program, you get access to exclusive tools, services and cash rebates!

Features include:

• Home Rebate: receive a valuable rebate on your home sale and/or home purchase when an approved agent is used

• Agent Referrals: a choice of pre-approved agents from nationally recognized brokers

• Property Search: in many states, access to MLS listings – the same database of home listings the realtors use

• Market Analysis: approximate a home’s value or view recently sold homes

• Community Research: Demographics, school districts, and locator maps

**Program Details: If you are a buyer you will receive a credit at closing or, in states where permissible, receive a check or other incentive, after closing. Buyer rebates/incentives may vary based on the type of financing being obtained and are subject to lender approval. If you are a seller, you will receive a discount on your broker/agent’s commission. If you are selling a home that requires a short sale, the rebate must be approved by your lender in order for you to qualify for the HOMEAdvantage™ rebate.

Can I use the equity on my home to get a loan?

Yes! Our low rate home equity loan options can help you get the extra cash you need.

Take advantage of:

• Convenient and easy online application

• Low interest rates

• No points

• No prepayment penalties

• Electronic home valuation or quick value appraisal report*** for loans of $50,000 or less

We offer two types of plans to fit your needs:

1. Variable Rate Home Equity Line-of-Credit(primary residence only)

• A revolving line-of-credit that gives you available cash when you need it

• Low variable interest rates up to 95% LTV

• Maximum $300,000 loan amount

2. Fixed Rate Home Equity Loan

• Borrow a determined amount of money

• Predictable, affordable monthly payments and low rates

• Fixed 20, 15, 10, 7 and 5 year terms up to 90% LTV

• Maximum $500,000 loan amount

• 125% LTV for qualifying members for up to $100,000 (primary residence only)

• Plans available for primary residences and second homes

• 70% LTV of up to $50,000 for investment properties

***May be accepted in lieu of a full appraisal.

I am going to be overseas for a few years. Can I finance a home while I am living overseas?

As an SDFCU member, you can qualify your home as your primary residence even if you are overseas and will not be occupying the property until you return. By qualifying, you will be able to take advantage of our lower rates and choose a term that suits your needs.

How can I protect my investment?

Our TruStage™ Auto and Home Insurance Program is your affordable property and casualty coverage solution to help safeguard your home investment.

Benefits include:

• Convenient e-service (pay your bills, change your policy, or report a claim)

• 24-hour access to claims service

• Free no obligation quotes and access to an online agent locator

TruStage™ Auto and Home Insurance Program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured, sold or guaranteed by SDFCU.

For more details and to apply for a loan online, visit www.sdfcu.org or contact us at 703.706.5000 or 800.296.8882.