Sonoma Logo
Phone: (707) 527-6216     Fax: (707) 527-6835
Security Information
Forgot My Password?
Online Enrollment Form

Home Loans for Refinances


It’s a great time to lower your house payment or pay off your loan sooner…with a low-cost Mortgage Loan from Sonoma Federal Credit Union.  

Is it really a good time to refinance? 
If you’re thinking about refinancing a home you live in, vacation in or have as an investment, it’s a great time to make that move! Here’s why:

Rates are the lowest they’ve been in years.
Take a look at rates from as far back as the early 1960′s, and you’ll find that rates today are the lowest they’ve been in decades. That fact translates to great savings in your monthly payments.

You have options for greater flexibility. 
If you’re worried that you have limited options, think again!  

We offer competitive rates and lower fees for a variety of mortgage loans including 10 year, 15 year & 30 year fixed rate options  The property must have 20% equity or greater to qualify for this loan.

Or maybe a 3/1, 5/1 or 7/1 adjustable rate loan would be a better choice for you.  The rate is fixed for 3, 5, or 7 years.  After this term, the loan converts to a 1 year adjustable rate loan indexed to the CMT 1 year treasury.  The repayment term is still based on 30 years.  You pick the option that works best for you.  The property must have 20% equity or greater to qualify for this loan.
If you do not have 20% equity or greater in your home, we do have other products available including:

  • 10% equity 30 year fixed rate loan (private mortgage insurance (PMI)) is required, credit restrictions apply.
  • 5% equity 30 year fixed rate loan (lender pays for PMI), credit restrictions apply

Our one-on-one personalized service is difficult to find with the big guys!
Whether you’ve been a credit union member for a few months or a number of years, you know the service you find here is tough to beat!

So what are you waiting for? There’s never been a better time to get a home loan. Apply with us today!

Contact our Mortgage Center for rates, fees & terms,
at 707-527-6216 or email:

APPLY for your home loan now.

Helpful Tools
  Apply For A Home Loan
  Annual Credit Report
Lost/Stolen VISA Debit Card:
Business Hours: (707) 527-6216
Non-Business Hours: USA: 1-888-241-2510
  Collect: 1-909-941-1398
This credit union is federally insured by the
National Credit Union Administration.
NCUA Equal Housing Lender
  Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 707-527-6216 for assistance. Products and services available on this website are available at our office located at 1194 Montgomery Drive, Santa Rosa, CA 95405.