LORI O. MEMBER SINCE 1995

School Employee Mortgage

Helping school employees find home.

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Lower costs, more savings and a 30-year fixed term.1

 

A down payment starting at 3%.

 

Use gift funds to help with the down payment.

 

No Private Mortgage Insurance (PMI), saving you hundreds on your monthly payment.2

 

No loan processing fee to reduce closing costs.3

 

No prepayment penalty.

 

Your loan stays with us so it won't be sold to a financial institution you don't know.

30-Year Fixed

Rates as low as
6.03 % APR
CURRENT MORTGAGE RATES

Helping School Employees Become Homeowners

Your dedication to education comes with real rewards and real financial challenges too. That's why we're committed to helping you create lasting financial well-being to achieve your dreams and goals. And when you decide to buy a home, we're here to remove the roadblocks to make it an easier, more supportive experience.

Our exclusive mortgage program offers not only a great rate and fixed term, but more ways to save, including a low down payment, less fees and special incentives designed to stretch your dollars further. So while you're helping shape the future of others, we're here to help you shape yours.

They know the challenges of being in education so they're able to focus their products to fit the needs of a teacher."

There's No Place Like Home

When Lori graduated from college, she wasn't sure what to do next. Her parents were teachers, so they encouraged her to give the classroom a try. It turned out to be the perfect choice.

So was joining SchoolsFirst FCU. When she considered becoming a homeowner, Lori doubted it was possible on a teacher's salary. But it was. "As a teacher, the Credit Union gave me a respectable rate and helped cover the closing costs too," Lori says. "It was the perfect fit to buy my first home."

To Lori, the Credit Union offers more than banking. She considers it a supportive community — one she's grateful to be part of. And for all her banking needs, there's truly no place she'd rather call home.

Discover SchoolsFirst FCU Home360®

Make your homebuying experience a successful one with concierge-level service to guide you through the process with ease.

You'll be paired with a loan consultant and real estate agent, save for a down payment faster with an exclusive high-yield account and receive a credit to help with your closing costs.4

  • Buyers: Get a 20% rebate on your participating agent’s commission.4
  • Sellers: Benefit from a reduced listing fee and discounts on services.5
LEARN MORE

Homebuying Resources

Find the Best Home Loan for You

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Compare Two Mortgages

CALCULATOR

Homebuying Essentials Workshops

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Protect Your Biggest Investment

  • Homeowners Insurance: Make sure you're protected from losses due to fire, lightning, burglary, vandalism, storms and more.
  • Condominium Insurance: Get coverage for interior walls and floors, personal property and personal injury.
  • Earthquake Insurance: This separate policy helps you recover, replace and rebuild if a tremor damages your home.

Providing great service comes with a few gold stars.

J.D. Power

No. 1 Credit Union for Member Banking Satisfaction

Forbest Best-in-State Credit Unions award logo, 2025.

Forbes' Best-In-State
Credit Unions 2025

Voted Best Credit Union in California for Seven Years

Recognition: Newsweek - Best Banks and Credit Unions

Newsweek

America’s Best
Regional Banks and Credit Unions

Recognition: LA Times - Top Credit Unions in Southern California

Los Angeles Times

#1 Credit Union in SoCal

Recognition: OC Register Best of Orange County 2025 - Best Credit Union

The Orange County Register

Readers’ Choice Awards
Best Credit Union in Orange County

Style Magazine

Readers’ Choice Awards
Best Credit Union in the Greater Sacramento Region

Press-Enterprise

Readers’ Choice Awards
Favorite Credit Union
in the Inland Empire

Daily Breeze

Readers’ Choice Awards
Best Credit Union
in Gardena and Torrance

Recognition: Coachella Valley Independent - Best Credit Union in the Coachella Valley

Readers' Picks

Best Credit Union in Coachella Valley

Daily News

Readers’ Choice Awards
Favorite Credit Union in Pasadena

People's Choice Awards Best Credit Union in Orangevale

Orangevale View

People's Choice Awards Best Credit Union in Orangevale

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Apply Online

Log in with your SchoolsFirst FCU username and password, or as a guest.

SUBMIT AN APPLICATION
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Meet With a Loan Consultant

Discuss your options with a real estate loan consultant in person, over the phone or at a branch.

MAKE AN APPOINTMENT
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Call

Monday through Friday, 8 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.

(800) 462-8328, EXT. 8288
Disclosures

APR = Annual Percentage Rate. All loans subject to approval.

At closing the primary Member(s) may not own other residential properties. The interest rates and APRs listed above are effective as of 01/31/2026. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose and income/financial obligations. A minimum credit qualifying score is required. Rates and programs are subject to change without notice. Lending area: State of California.
 

School Employee Mortgage Program is available for purchases only. Program is subject to change without notice.

  1. Principal and interest payments are fixed. Other costs such as property taxes and homeowners insurance may increase over the life of the loan.
  2. Interest Rate/APR are higher for programs available with no PMI.
  3. Available for all primary purchase residence loan types. Does not apply to first mortgage refinances.
  4. Rebate payment is made by First Team Real Estate or HomeSmart Evergreen Realty. Rebate is credited to your benefit at the close of transaction, and will be lowered by any reductions to the commissions paid to the participating agent in a concurrent purchase and sale of a home. Commission will vary. To be eligible for the 20% rebate, Member must complete the transaction with the agent assigned by SchoolsFirst FCU Home360®. Using SchoolsFirst FCU for a mortgage loan is not a requirement to earn the rebate. Purchase price must be greater than $150,000 after all credit adjustments. All rebates are subject to limitations, lender guidelines and other requirements. Certain properties may not be eligible for rebates. Rebate is 20% for purchase only of a residential property in California. Please consult a qualified tax professional for advice on tax implications from receiving a rebate. First Team Real Estate and HomeSmart Evergreen Realty are not affiliated with SchoolsFirst FCU.
  5. Discounted 1.5% listing fee is for a residential property sale in California when the home is sold and closes escrow. Does not include commission owed to buyer's agent (up to 3%). Sales price must be greater than $150,000.

NMLS Identifier: 405503

Insurance offered by SchoolsFirst Insurance Services, LLC subsidiary of SchoolsFirst Federal Credit Union. CA Insurance License 0I19344. Insurance products: 1) are not NCUSIF insured; 2) and are not obligations of or guaranteed by the Credit Union or any affiliated entities. Insurance products are not available in all states. Purchasing an insurance product from SchoolsFirst Insurance Services is not required to originate a loan with SchoolsFirst FCU.