Mortgage Center Home

At Saratoga's Community Federal Credit Union we have a variety of products to fit your individualized need from Government products to Conventional Loans we have you covered.

Pre-Approvals & Applications

Whether you are looking for a pre-approval or ready to apply online today, complete our application and we will start the process to get you approved in minutes rather than days or weeks!

Rate Watch Program

The easiest way to stay educated on the changing rate environment. Use Rate Watch to receive updates as you want them.


What is my monthly payment, how can refinancing save me money, should I buy or rent – use our calculators to help you solve questions like these and more.

Contact the Mortgage Center

Call or e-mail one of our mortgage professionals to answer any of your questions.

Phone Number: (800) 342-4998 ext. 7230



30 Year Fixed Rate
 Rate  APR  Points
 3.875%  3.955%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 3.750%  3.861%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.375%  3.515%  0.000%
FHA 30 Year Fixed Rate
 Rate  APR  Points
 3.875%  4.671%  0.000%
5 Year Adjustable Rate
 Rate  APR  Points
 3.750%  4.385%  0.000%
7 Year Adjustable Rate
 Rate  APR  Points
 3.875%  4.345%  0.000%
  • As of June 14, 2019 10:35 AM CST
  • Personalized Quote
  • Actual interest rates and APRs may vary based on credit history.