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Phone: (707) 527-6216     Fax: (707) 527-6835
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Home Loans for Purchases


It’s a great time to open a new door …
with a low-cost Mortgage Loan from Sonoma Federal Credit Union.  

If you’re thinking about buying a home to live in, vacation in or use for rental income, it’s a great time to make that move!

Here’s why:

Rates are the lowest they’ve been in years.
Take a look at rates from as far back as the early 1960′s, and you’ll find that rates today are the lowest they’ve been in decades. That fact translates to great savings in your monthly payments.

You have options for greater flexibility. 
If you’re worried that you have limited options, think again! We offer competitive rates and lower fees for a variety of fixed rate mortgage loans including:

  • FHA with a 3.5% down payment
  • HomePath with a 3% down payment (no appraisal or PMI)
  • Lender paid PMI loan with a 5% down payment
  • Conventional 10% down payment with PMI 
  • Conventional 20% down payment loans

We have terms of 10 years, 15 years and 30 years.  You pick the option that works best for your needs.

Perhaps, your plans do not call for a long term fixed rate loan.  We also have a variety of adjustable rate loans including:

  • 3/1 (3 years at a fixed rate, then a 1 year adjustable)
  • 5/1 (5 years at a fixed rate, then a 1 year adjustable)
  • 7/1 (7 years at a fixed rate, then a 1 year adjustable)
  • Continuous 1 year adjustable.

Our one-on-one personalized service is difficult to find with the big guys!
Whether you’ve been a credit union member for a few months or a number of years, you know the service you find here is tough to beat!

So what are you waiting for? There’s never been a better time to get a home loan. Apply with us today!

Contact our Mortgage Center for rates, fees & terms,
at 707-527-6216 or email:

APPLY for your home loan now.

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Business Hours: (707) 527-6216
Non-Business Hours: USA: 1-888-241-2510
  Collect: 1-909-941-1398
This credit union is federally insured by the
National Credit Union Administration.
NCUA Equal Housing Lender
  Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 707-527-6216 for assistance. Products and services available on this website are available at our office located at 1194 Montgomery Drive, Santa Rosa, CA 95405.