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Conventional Loan

​Choose from two powerful mortgage savings options to own the home of your dreams. Save up to $5,0001 in closing costs, plus pay no origination fee with a Power Mortgage. To save on your monthly payments, choose Power Rate and get our lowest, discounted interest rate.

Option 1: Power Mortgage
Save upfront with no closing costs up to $5,000 and no origination fee.

  • Low Closing Costs – Security Service will pay up to $5,0001 in select closing costs
  • Further Savings – Enjoy competitive rates and no origination fee
  • Great, Low Rates – Compare our low, rate terms  for fixed- and adjustable-rate loans
Mem​ber Reviews

Power Mortgage Rates

Term Rates as low as... Points APR  
30-Year Fixed* 4.250% 0% 4.304% Apply
20-Year Fixed* 4.000% 0% 4.073% Apply
15-Year Fixed* 3.625% 0% 3.716% Apply
10-Year Fixed* 3.500% 0% 3.630% Apply

*Rates may be significantly different for cash-out refinance transactions. Based on a $135,000 Loan Amount with a 80% LTV and FICO>=740. View our Mortgage Payment Examples.


Option 2: Power Rate
Save on monthly payments with our lowest, discounted rate.

  • Low, Fixed Rates – Save money over the life of the loan on a 15- or 30-year purchase or rate/term refinance.
  • Lower Monthly Payments – Allows you to qualify for a higher amount to purchase the home that meets your needs.
  • Possible Tax Benefits2 – Save even more with possible tax benefits when you pay closing costs and a 1 percent origination fee in exchange for a discounted rate.

Power Rates

Term Rates as low as... Points APR  
30-Year Power Rate Fixed* 3.875% 0% 4.011% Apply
15-Year Power Rate Fixed* 3.125% 0% 3.358% Apply

*Rate and term refinance only. Based on a $135,000 Loan Amount with a 80% LTV, 1% origination fee and FICO>=740. View our Conventional Power Rate Payment Examples.


Financing available for properties in Texas, Colorado or Utah. Membership eligibility required. Loan subject to credit approval. Minimum loan amount may apply.

†  APR = Annual Percentage Rate. The APR is accurate as of 12/20/17.

Mortgage interest rates are subject to change at any time and without notice based on market fluctuations. The rate and term offered to members may differ from the rates reflected above based on the credit history, final loan-to-value, and mortgage loan program. Cash-out refinance transactions may be significantly different than the rates shown above.

  1. Power Mortgage offer to save up to $5,000 in select closing costs does not cover mortgage insurance, seller paid closing costs, discount points, or pre-paids and reserves. The program is not valid for FHA or VA loans. Closing costs may vary based on transaction. If loan is closed or paid off within first 36 months of the term, member may be required to reimburse all or some of the closing costs incurred.
  2. Please consult a tax advisor regarding the tax deductibility of interest and charges.