Mortgage Loans

Home financing built for Santa Barbara County

Buying or refinancing a home here isn’t like anywhere else. SBCFCU combines competitive mortgage options with local service and support to help you navigate one of the country’s most competitive housing markets.

Explore conventional, FHA, VA, and jumbo home loan options for buying or refinancing your home.

GET PRE-APPROVED ESTIMATE YOUR PAYMENT

Aerial neighborhood views of the Santa Barbara coastline on the Pacific Ocean

Mortgage Loans

Home financing built for Santa Barbara County

Explore conventional, FHA, VA, and jumbo home loan options for buying or refinancing your home.

GET PRE-APPROVED ESTIMATE YOUR PAYMENT

Local mortgage support

Work with a local team that understands the Santa Barbara County housing market.

Options for different buyers

Explore conventional, FHA, VA, and jumbo financing options for qualifying borrowers.

Support through closing

Get help from pre-approval through closing from a team you can reach when questions come up.

Find the right home loan

Every home purchase is different. Explore SBCFCU mortgage options and find the financing approach that may fit your needs.

Buying your first home in Santa Barbara County? SBCFCU can help you understand your financing options, including FHA and down-payment options, and prepare for pre-approval so you’re ready when the right home becomes available.

Eligible veterans, service members, and qualifying borrowers may be able to purchase or refinance with a VA loan, including options that may require no down payment.

FHA loans offer qualifying borrowers lower down-payment options and more flexible credit requirements, making them worth considering for first-time buyers and others looking for additional financing flexibility.

Higher Santa Barbara County home prices can require financing above conventional loan limits. SBCFCU offers options for larger loan amounts to help qualifying borrowers finance higher-value homes.

SBCFCU offers conventional mortgage options for qualifying homebuyers and homeowners looking to refinance. Speak with our mortgage team about available terms and whether a conventional loan fits your needs.

Is it time to refinance your mortgage?

Rates change. Life changes. If your current mortgage no longer fits your needs, refinancing may give you an opportunity to lower your monthly payment, shorten your loan term, or move from an adjustable-rate mortgage to a different loan structure.

Know whether the numbers make sense

Refinancing isn’t automatically the right move. The SBCFCU team can help you compare your options and consider potential closing costs so you can understand whether refinancing makes financial sense for you.

DISCUSS REFINANCING

Estimate your mortgage payment

Get a better sense of what homeownership could cost before you apply. Use our mortgage calculator to explore how different home prices, down payments, and loan terms could affect your estimated monthly payment.

ESTIMATE YOUR PAYMENT

Already own your home?

Your home equity may be another option

If you’ve built equity in your home, a Home Equity Loan from SBCFCU may give you another way to borrow for home improvements, major expenses, debt consolidation, and other financial needs.

EXPLORE HOME EQUITY LOANS

Explore your options before refinancing your existing mortgage to see which approach may better fit your needs.

Let’s find the right financing for your home.

Mortgage rates and loan options can vary based on your financing needs. Contact SBCFCU to learn more about current mortgage options and discuss what may be right for you.

Having trouble making your mortgage payment?

If you’re having difficulty making your mortgage payment, contact SBCFCU as soon as possible. Our team can help you understand the options available to you and connect you with foreclosure prevention resources if needed.

CONTACT OUR MORTGAGE TEAM

Common questions (FAQs)

Find answers to some of the most common questions about SBCFCU mortgage loans.

Yes. You must be an SBCFCU member to apply for a mortgage loan. If you’re not yet a member, you can join SBCFCU before applying.

Yes. SBCFCU offers both FHA and VA loans, along with conventional and jumbo mortgage options.

Yes. Getting pre-approved before you begin your home search can help you understand your financing options and show sellers that you’re a serious, qualified buyer, especially in a competitive housing market like Santa Barbara County.

Requirements vary by loan program. SBCFCU’s mortgage team can review your financial picture and help you explore available options, including FHA loans with more flexible credit requirements.

A mortgage is used to finance the purchase of a home. A Home Equity Loan lets you borrow against equity you’ve already built in a home you own.

Yes. SBCFCU offers mortgage refinancing options. Depending on your situation, refinancing may allow you to lower your monthly payment, shorten your loan term, or move from an adjustable-rate mortgage to a different loan structure. Our team can help you compare your options and consider potential closing costs before deciding whether refinancing makes sense for you.

Contact the SBCFCU mortgage team as soon as possible. We can help you understand the options available to you and connect you with foreclosure prevention resources if needed.

Ready to get started on a mortgage loan?

Whether you’re buying a home, refinancing your current mortgage, or simply exploring your options, our local mortgage team is here to help you understand your next step.

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Not a member yet? Learn how to join SBCFU.