There’s never been a better time to purchase or refinance the home of your dreams. We don’t – and haven’t - engaged in sub-prime lending, so there’s no credit crunch here! In fact, rates are
still low and homes are priced to sell.
And as the Fannie Mae Lender of the Year
, you can trust that our award-winning team will help you find the mortgage that’s right for you.
Extended mortgage terms
of up to 40 years!
Speak with one of our mortgage professionals to find out
whether a 10-, 15-, 20-, 30- or 40-year term is right
for you. Also available are low rate 3/1, 5/1 and 7/1
adjustable rate mortgages.
Please click on "Learn More" links for details and conditions for the loan programs listed below.
SCCU vs. Big Banks Nothing compares to an SCCU Mortgage. You may have heard about Big Banks offering No Closing Cost Mortgages, but do those banks really offer any savings? Not at all! Read more about how SCCU Mortgages save you money!Learn
More
Significantly lower your out-of-pocket costs to obtain a mortgage!
Get a 15- or 30- Year Fixed Rate Mortgage without paying the Space Coast Credit Union lender fees at application and/or closing. Learn More
First
Mortgage "EASY REFI" Loan Receive a credit up to $5,000 to offset any refinancing costs.
Use this mortgage to convert your adjustable rate mortgage to a fixed
rate, take some cash out to make home improvements, or lower your
monthly payments. Learn
More
Real Estate Rebate Program
Receive a rebate of up to $5,000.00 when you purchase a home.
SCCU has established a network of Platinum REALTORS® who
will give you a guaranteed commission rebate at closing! Learn
More.
First
Time Homebuyers Apply
Now - Contact Us SCCU program for new home owners who have good credit, stable income, but little savings.
Education
Professionals Apply
Now - Contact Us 30 Year Fixed Rate Mortgage designed for Teachers
and other Educational Institution employees. Greater flexibility for
borrowers in low or moderate income brackets.
Police,
Healthcare, and Firefighters Apply
Now - Contact Us 30 Year Fixed Rate Mortgage designed for Civil
Service Workers. Greater flexibility for borrowers in low or moderate
income brackets.
No Stated Income
- Apply
Now - Contact Us
For members who do not wish to document income. Our stated income
loan programs allow you to qualify without the hassle of providing
the standard income documents required under our standard loan programs.
Please contact us for details.
Construction
Loans - Apply
Online - Contact Us In addition to more traditional loans we also offer
construction/perm loans. This unique loan allows you to close on your
loan with a fixed rate during construction and only have to pay closing
costs once. Minimum loan amount is $50,000.
First
Time Homebuyers 
