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Tammy Reid
EVP/Loan Manager
NMLS 417397
805-682-3357
tammy@sbcreditunion.com

Get Started

Mortgage Calculator

Get a sense of the costs of buying a home with our monthly mortgage calculator.

Home Price
Down payment
Interest Rate
Term

Property Tax
Homeowners Insurance
HOA Dues
Mortgage Insurance
Additional Monthly Payment
Interest only

Monthly Payment

Pmt #	Payment	Principal	Interest	MI	Balance

Welcome to Santa Barbara County Federal Credit Union!

For New Homeowners, we help our members achieve their homeownership dreams with personalized service. We help you every step of the way and strive to find the loan option that fits your needs and budget.

For Current homeowners, we offer smart ways to use your home's equity for major needs like educational costs, home improvements, and more.

Please click the Get Started Button above to begin your mortgage application!

We are happy to offer the following mortgage products:

* Conventional Loans
* FHA/VA
* USDA
* Programs available for first-time homebuyers.
* Rate & Term and Cash-Out Refinance loans.
* Financing options for owner-occupied and investment properties.

Our Mortgage Offerings Include:

* First Mortgages
* Fixed Rate 2nd mortgages
* HELOC Loans

For information on all the services SBCFCU offers, please visit Products & Services