Space Coast Credit Union Mortgages
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.
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
Featured Mortgage Loan
Cost Cutter
Pay $0 in lender fees!
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
SCCU program for new home owners who have good credit, stable income, but little savings.
Education Professionals
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
30 Year Fixed Rate Mortgage designed for Civil Service Workers. Greater flexibility for borrowers in low or moderate income brackets.
No Stated Income
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
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.
