Is your Home the Right Size, but your Mortgage Payment Too Big? Dramatically higher insurance costs and rising tax rates have resulted in higher monthly mortgage payments for many members. And if your Adjustable Rate Mortgage is about to go up, you may find yourself in an unanticipated cash crunch.

SCCU’s EASY REFI Program can help you lower your monthly payments! We’ll even credit you up to $5,000* to offset your closing costs.

The mortgage you originally chose may not be what you need today. Our mortgage specialists can review your current home loan situation, and recommend a solution that lowers your payments and is specially tailored to your needs.

Whatever your mortgage goal may be - lowering your monthly payment, streamlining your 1st and 2nd mortgages into one payment, or getting cash out for a project or expense - we can help!

	Refinance your mortgage today and lower your payments with the Fannie Mae Prime Alliance Lender of the Year! Members taking advantage of this limited-time offer will receive a credit of up to $5,000* to offset any refinancing costs. Click here to see the closing cost credit by mortgage amount. When applying, make sure to request or input the promo code EASY REFI!

3 Easy Ways to Apply: Online at SCCU.com By Phone with Express Services Mon-Fri 8-6:30, Sat 9-3 Brevard: (321) 752-2222, Option 3 Toll-Free: (800) 447-7228, Option 3 At Any Branch To schedule an appointment, visit any branch.

^* Limited time offer. SCCU’s normal credit criteria apply. Not all applicants will qualify for a loan. Amount of closing cost credit based on loan amount. SCCU will credit $375 (up to a maximum of $5,000) for every $50,000 in loan amount at closing. Example: a loan amount of $225,000 will qualify for $1,875 in credit. Maximum loan to value: 95%. Loans exceeding 80% of the appraised value of the home require private mortgage insurance. Amount of waived closing costs, as detailed on the Settlement Statement at closing, must be paid back to SCCU if the loan is paid off within the first 36 months from the first payment due date. SCCU will determine the method used to evaluate property value. Maximum cash permitted to borrower at closing: $50,000. All normal rate adjustments apply. Owner occupied, primary residence only. New money only. This offer does not apply to existing first mortgage loans held at SCCU. Member Rewards fee waivers are not permitted in conjunction with this offer.