Home Sweet Home.

Mortgage Options

Whether you’re a first-time or 10th time buyer, or just adding to your portfolio, Signature FCU offers fixed-rate and adjustable rate mortgages (ARM) with a variety of terms.

Primary Residence Loans:

  • Up to 100% financing for those who have not owned a primary residence in the past three years1
  • Up to 97% financing on single-family dwellings for qualified borrowers
  • Up to 90% on all condos
  • Up to 75% on 1-4 unit dwellings when you are occupying one of the units

For a limited time, we're offering a $1,000 credit towards closing costs2. Call (800) 336.0284 ext. 696 to learn more.

1 100% financing is available for the purchase of primary property only. In order to qualify, certain qualifcations must be met: minimum credit score of 720; maximum DTI 43%; minimum of two (2) months of principal, taxes, interest, insurance, and association (PITIA) dues. Mortgages are are available for properties nationwide except Alaska, Puerto Rico, and Hawaii. All loans are subject to credit approval.

2 Mortgages are available for properties nationwide except Alaska, Puerto Rico, and Hawaii. All loans are subject to credit approval. SFCU reserves the right to end or modify this offer at any time. Paying your loan off within 3 years (36 months) from the loan origination date, will result in the reimbursement of all closing costs associated with this loan transaction paid by Signature Federal Credit Union. All loans are subject to credit approval. SFCU is an equal housing lender.

Investment Property Loans:

  • Purchases are available for up to 85% maximum financing

Refinance Options

Refinance your mortgage to lower your monthly payments, change your term, and even pay off your mortgage faster.

Refinancing is available on both primary and investment properties:

  • Up to 97% LTV2 on single-family dwellings
  • Up to 90% LTV on condos
  • Up to 85% LTV on cash-out refinance
  • Up to 75% LTV on investment property

2 LTV = Loan to Value

Mortgages are available for properties nationwide, except in Alaska, Hawaii, and Puerto Rico. All loans are subject to credit approval and additional pricing may apply.

Documents Required for Processing:

  • One month of paystubs
  • Last two years w2’s
  • Last 2 years tax returns (if self- employed)
  • Annuity Statement (if retired)
  • Social Security Award Letter (if retired)
  • Copy of Deed showing ownership (Refinance Transaction Only)
  • Copy of most recent tax assessment (Refinance Transaction Only)
  • Copy of homeowner insurance declarations page (Refinance Transaction Only)
  • Last two months bank statements (Purchase Transaction Only)
  • Gift Letter (if applicable) (Purchase Transaction Only)
  • Ratified Sales Contract (Purchase Transaction Only)

SmartMove®

SmartMove offers real estate assistance to help you navigate buying or selling your home. Your SmartMove professional coordinator serves as a point of contact between you and all the other parties involved in the buying and selling.

By using SmartMove, you can even get a cash rebate when buying or selling your home. Learn more about Smart Move by visiting our Preferred Partners page.

SAFE Act

In 2008, Congress implemented the Secure and Fair Enforcement (SAFE) Act, which was designed to enhance consumer protection and reduce fraud by setting standards for licensing mortgage loan originators.

The SAFE Act requires mortgage loan officers to pass a background investigation, submit fingerprints, and secure a mortgage loan originator number as part of the National Mortgage Licensing System. These identifying numbers are public information and must be produced upon a consumer request.

We think you should know the quality and integrity of our underwriting team without having to ask, so Signature has listed our mortgage loan underwriters below. If you have any questions regarding the SAFE Act or the registration process, please contact us at (800) 336.0284 or via email: mortgage@signaturefcu.org

Institution Information:
Signature Federal Credit Union: 401612

Mortgage Loan Originators (listed alphabetically):
Anderson, Maria-Eugenia 646693
Bassett, Angela 507751
Cieczka, Lucyna 1289768
Crawford, Chrystal 507757
Donald, Jamie 507754
Hong, Jason Jun Kee 1855074
Mills, Don 2032438
Pendarvis, Melanie 920539
Rivera-Alvarez, Jennifer 2436999
Ventura, Geovannie 790759

Last updated: 1/5/2023

Application Center

Not a Signature FCU member? Join today! (You must be a Signature FCU member to apply for a mortgage)

Join Signature FCU

We look forward to helping you buy your next home and are here to answer questions before, during or after the process. Please contact one of our Mortgage Loan Representatives at (800) 336.0284 ext. 696

For service on an existing mortgage, please email mortgageservicing@signaturefcu.org

View Mortgage Rates Apply for a Mortgage Online Mortgage Application

Calculate How Much You Can Afford