Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Open An Additional Account

If you are a current member of SMCU, opening additional accounts is easy. Just log into SMCU OnLine and click "Open an Additional Account" located in the Services section of the online home page.

Open Another Account Through SMCU OnLine               Open Another Account as a Guest

Security Lock SMCU OnLine Login

Text/Phone Scam Alert
If you receive a text message or call claiming to be from SMCU that asks you to verify account information, do not reply or provide any information.
Learn More

$1,000 off closing costs. Buy or refinance your home.
Contact a Mortgage Specialist
Our friendly Real Estate Specialists are waiting to help you. Contact them now.
(650) 363-1799
Mon-Thurs 8am - 5pm
Fri 9am - 6pm
Mortgage Terms - S

Second Home
Commonly known as a vacation home. This home is not rented and is occupied by the owners occasionally.
Secondary Financing
A loan secured by a mortgage or trust deed, which lien is junior to another mortgage or trust deed.
Secondary Market
The buying and selling of mortgage notes between sophisticated investors such as pension funds, commercial banks, savings and loans, and wall street firms.
Secondary Market Investor
An entity, such as FNMA or FHLMC, that buys mortgage loans for investment or sells them again to another secondary market investor. Secondary market investors do not service loans and do not collect payments from borrowers.
Secondary Mortgage MARKET
The buying and selling of first mortgages of trust deeds by banks, insurance companies, government agencies, and other mortgagees.
Security
Real or personal property pledged by a borrower, as additional protection for the lender's interest.
Seller's Broker
Agent who takes the seller as a client, is legally obligated to a set of fiduciary duties, and is required to put the seller's interests above all others.
Septic System
A sewage system, whereby waste is drained through pipes and a tile field into a septic tank.
Set Back Ordinance
Regulates the distance from the lot line to the point where improvements may be constructed.
Settlement Cost, a HUD Guide
This booklet gives an overview of the lending process and is required by HUD. It is provided to consumers after the loan application is completed.
Settlement Statement
A statement prepared by broker, escrow, or lender, giving a complete breakdown of the cost of involved in a real estate transaction.
Sheriff's Deed
A deed given at the sheriff's sale in foreclosure of a mortgage.
Signed Sealed and Delivered
A phrase indicating that everything necessary to convey has been done by the grantor.
Single Family Detached Home
A residential home that is not attached physically to another home.
Specific Performance
Lawsuit requesting that a contract be exactly carried out, usually asking that the seller be ordered to convey the property as previously agreed.
Standard Uniform Application
An application developed by FNMA and FHLMC that is widely used in the mortgage industry.
State and Local Housing Programs
Unique housing finance programs to assist first time home buyers and low to moderate housing groups. Each state and local group has different sets of criteria.
Statutory Lien
An involuntary lien, includes tax liens, judgement liens, mechanic liens, etc.
Substitute of Trustee
A document which is recorded to change the trustee under the deed of trust.
Survey
Map made by a licensed surveyor who measures that land and charts its boundaries, improvements and relationship to the property surrounding it.
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