Need a mortgage loan to buy a new home or to refinance?

With Sun Federal, members enjoy competitive rates and flexible financing on a new mortgage loan or refinance.

Apply Now
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Buying a Home?

SFCU can help you buy a home or refinance the one you have!

Apply for a Mortgage ›
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First-Time Home Buyer?

You're ready to purchase your first home... congratulations! We can make it happen together.

Apply for Your First Mortgage ›
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Need an FHA or VA Loan?

Sometimes you just need a bit more flexibility when buying a home. We can help!

FHA/VA Application ›
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Want an Investment Property?

Ownership has its benefits...like additional income and possible tax benefits.

Apply Today ›

With a Sun Federal Credit Union mortgage loan, we can help make your dream of homeownership a reality.

Imagine what it’s like to turn the doorknob and cross the threshold of your house for the first time. Picture designing, decorating and filling your home with your own personal style. Envision what it will be like to build your life within a sanctuary you can call your own. Our friendly Home Loan Finance Officers are ready to work with you one-on-one to make owning a home a reality. We’ll walk you through every step of the process and help you get settled in with a mortgage loan that fits your individual needs.

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Call Us For Rates!
800.786.0945

Beneficial Borrowing

  • Better, lower loan rates

  • Fixed, adjustable & jumbo loans

  • Traditional & customized loan terms

  • Unique loans, such as balloon, FHA & VA

Sun Federal Mortgage Loan Options

We want you to feel comfortable with your mortgage loan. That’s why we have many loan options available to you.

Fixed Rate Mortgage Loans

A fixed rate mortgage is a simple option. With this type of loan your payment and interest rate will never change throughout the life of your loan.

Jumbo Mortgage Loans

When you need to borrow more to get your home, a jumbo loan from Sun Federal may be a good option.

Adjustable Rate Mortgage Loans

An adjustable rate mortgage (ARM) offers you a lower interest rate and monthly payment at the beginning of your loan. Over time, though, your rate and payments may change.

Unique Loans

Have a unique situation? Sun Federal offers several unique loans – including balloon, FHA, VA and many others.

Need help deciding which home loan option is right for you?

Contact one of our friendly Home Finance Officers. They’re here to help you.

Ready to get started with a mortgage? Take the next steps.

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Call a Loan Officer
1-800-786-0945
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Email a Loan Officer
sunsupport@sunfcu.org
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Apply for Pre-Approval
Apply Now
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Explore Loan Options
Learn More
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Looking for something?

Contact Us

(800) 786-0945   |   SunSupport@SunFCU.org

Locations & Hours

Branches & ATMs Locations ›

Lobby

Monday, Tuesday & Thursday 8:00 a.m. - 4:30 p.m.
Wednesday 9:00 a.m. - 4:30 p.m.
Friday 8:00 a.m. - 5:30 p.m.

*Detroit Ave. Lobby Closed

Drive-Thrus & Walk-Ups

Monday, Tuesday, Thursday & Friday 8:00 a.m. - 5:30 p.m.
Wednesday 9:00 a.m. - 5:30 p.m.

Sun Federal Credit Union

©2023 Sun Federal Credit Union

Privacy Policy   |   Mobile App Privacy Policy   |   Volunteer Login

Routing & Transit Number: 241282412

Sun Federal will never ask for your login/password or other sensitive information via email, pop-up window outside of our website, text message or social media channels.

APR=Annual Percentage Rate  |  APY=Annual Percentage Yield

Equal Housing Opportunity

Federally Insured by NCUA. 

All links marked with this icon External Image Icon lead off-site. Sun Federal is not responsible for the availability, content, security or any goods or services on the linked site.

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If you wish to view PDF files, we recommend the use of Adobe Acrobat® Reader® v. 6.0 or higher. To download a free copy of Adobe Acrobat Reader (v. 8.0), click here.

Sun Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 800.786.0945. All products and services available on this website are available at all Sun Federal Credit Union branches.

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Auto Loans

Get Started

Are you a Sun Federal member?

Keep these close by when applying:
  1. Proof of Income 
  2. Dealer Purchase Agreement (purchasing)
  3. 10-Day Payoff Letter (refinancing)
  4. Lease Buyout Agreement (leasing)
  5. Vehicle Title (clear title loan)
  6. Proof of Insurance
  7. Title Form
  8. GAP Contract

Loan + Membership Application

What you’ll need to get started
  1. Government issued ID
  2. Complete mailing address
  3. Social Security Number
  4. Date of birth
  5. A way to make your initial deposit (debit card, credit card or electronic transfer
  6. Qualify: View our list of eligible employers, organizations and communities
  7. Bundle and Save: qualify for our Member Value Program when you have a savings, checking, and 1 additional product (Loan, Certificate, Money Market, or Visa Credit Card)
What to expect when applying for membership
  1. Select accounts you want to open
  2. A savings will be automatically included, then add what you need. From Free Kasasa Checking to certificates, we have it all!
  3. Tell us about yourself
  4. Help us get to know you!
  5. Set your opening deposit
  6. All you need is a $5 deposit for your new SFCU savings account!
Continue to Application
×
Personal

Get Started

Are you a Sun Federal member?

Keep these close by when applying:
  1. Proof of Income
  2. Credit Card Statements (for balance transfers)

Loan + Membership Application

What you’ll need to get started
  1. Government issued ID
  2. Complete mailing address
  3. Social Security Number
  4. Date of birth
  5. A way to make your initial deposit (debit card, credit card or electronic transfer
  6. Qualify: View our list of eligible employers, organizations and communities
  7. Bundle and Save: qualify for our Member Value Program when you have a savings, checking, and 1 additional product (Loan, Certificate, Money Market, or Visa Credit Card)
What to expect when applying for membership
  1. Select accounts you want to open
  2. A savings will be automatically included, then add what you need. From Free Kasasa Checking to certificates, we have it all!
  3. Tell us about yourself
  4. Help us get to know you!
  5. Set your opening deposit
  6. All you need is a $5 deposit for your new SFCU savings account!
Continue to Application
×
Home Equity

Get Started

Are you a Sun Federal member?

Keep these close by when applying:
  1. Proof of Income
    a. 30 days of paystubs
    b. 2 years of W2's and/or tax returns
  2. Current Mortgage Statement
  3. Most recent bank or credit union account statement (non-SFCU)
  4. Most recent retirement/investment account statement
  5. Estimated Value of Property
  6. Proof of Home Owners Insurance
  7. Evidence of Flood Insurance if applicable

Loan + Membership Application

What you’ll need to get started
  1. Government issued ID
  2. Complete mailing address
  3. Social Security Number
  4. Date of birth
  5. A way to make your initial deposit (debit card, credit card or electronic transfer
  6. Qualify: View our list of eligible employers, organizations and communities
  7. Bundle and Save: qualify for our Member Value Program when you have a savings, checking, and 1 additional product (Loan, Certificate, Money Market, or Visa Credit Card)
What to expect when applying for membership
  1. Select accounts you want to open
  2. A savings will be automatically included, then add what you need. From Free Kasasa Checking to certificates, we have it all!
  3. Tell us about yourself
  4. Help us get to know you!
  5. Set your opening deposit
  6. All you need is a $5 deposit for your new SFCU savings account!
Continue to Application
×
Mortgage

Get Started

Are you a Sun Federal member?

Yes

No

Keep these close by when applying:
  1. Proof of Income

Loan + Membership Application

What you’ll need to get started
  1. Government issued ID
  2. Complete mailing address
  3. Social Security Number
  4. Date of birth
  5. A way to make your initial deposit (debit card, credit card or electronic transfer
  6. Qualify: View our list of eligible employers, organizations and communities
  7. Bundle and Save: qualify for our Member Value Program when you have a savings, checking, and 1 additional product (Loan, Certificate, Money Market, or Visa Credit Card)
What to expect when applying for membership
  1. Select accounts you want to open
  2. A savings will be automatically included, then add what you need. From Free Kasasa Checking to certificates, we have it all!
  3. Tell us about yourself
  4. Help us get to know you!
  5. Set your opening deposit
  6. All you need is a $5 deposit for your new SFCU savings account!
Continue to Application
×
Luxury Card

Get Started

Are you a Sun Federal member?

Keep these close by when applying:
  1. Proof of Income
  2. Credit Card Statements (for balance transfers)

Credit Card + Membership Application

What you’ll need to get started
  1. Government issued ID
  2. Complete mailing address
  3. Social Security Number
  4. Date of birth
  5. A way to make your initial deposit (debit card, credit card or electronic transfer
  6. Qualify: View our list of eligible employers, organizations and communities
  7. Bundle and Save: qualify for our Member Value Program when you have a savings, checking, and 1 additional product (Loan, Certificate, Money Market, or Visa Credit Card)
What to expect when applying for membership
  1. Select accounts you want to open
  2. A savings will be automatically included, then add what you need. From Free Kasasa Checking to certificates, we have it all!
  3. Tell us about yourself
  4. Help us get to know you!
  5. Set your opening deposit
  6. All you need is a $5 deposit for your new SFCU savings account!
Continue to Application
×
Cash Card

Get Started

Are you a Sun Federal member?

Keep these close by when applying:
  1. Proof of Income
  2. Credit Card Statements (for balance transfers)

Credit Card + Membership Application

What you’ll need to get started
  1. Government issued ID
  2. Complete mailing address
  3. Social Security Number
  4. Date of birth
  5. A way to make your initial deposit (debit card, credit card or electronic transfer
  6. Qualify: View our list of eligible employers, organizations and communities
  7. Bundle and Save: qualify for our Member Value Program when you have a savings, checking, and 1 additional product (Loan, Certificate, Money Market, or Visa Credit Card)
What to expect when applying for membership
  1. Select accounts you want to open
  2. A savings will be automatically included, then add what you need. From Free Kasasa Checking to certificates, we have it all!
  3. Tell us about yourself
  4. Help us get to know you!
  5. Set your opening deposit
  6. All you need is a $5 deposit for your new SFCU savings account!
Continue to Application
×
Rate Card

Get Started

Are you a Sun Federal member?

Keep these close by when applying:
  1. Proof of Income
  2. Credit Card Statements (for balance transfers)

Credit Card + Membership Application

What you’ll need to get started
  1. Government issued ID
  2. Complete mailing address
  3. Social Security Number
  4. Date of birth
  5. A way to make your initial deposit (debit card, credit card or electronic transfer
  6. Qualify: View our list of eligible employers, organizations and communities
  7. Bundle and Save: qualify for our Member Value Program when you have a savings, checking, and 1 additional product (Loan, Certificate, Money Market, or Visa Credit Card)
What to expect when applying for membership
  1. Select accounts you want to open
  2. A savings will be automatically included, then add what you need. From Free Kasasa Checking to certificates, we have it all!
  3. Tell us about yourself
  4. Help us get to know you!
  5. Set your opening deposit
  6. All you need is a $5 deposit for your new SFCU savings account!
Continue to Application
×