Second Mortgage Subordination Requests
Need to file a second mortgage subordination request due to the refinancing of your first mortgage? Please review the information below for the requirements and forms necessary to complete this process.
The following documents are required to subordinate second lien position:
Copy of new title commitment
Amount of new first mortgage, including rate and terms
Copy of new appraisal. If this is a "MAKE HOME AFFORDABLE LOAN" you must inform SCCU up front.*
Copy of new Good Faith Estimate
Estimated closing date
Copy of 1003 application
Complete and return the Subordination Request Form available here
$150.00 Subordination Fee**
Please submit your request, including all of the required documents, using the fax number or email address provided on the Subordination Request Form.
Once SCCU receives the required documents, our team will review your request and evaluate our current lien position to determine if we can approve the Subordination. Processing time is approximately 10 business days from date all required documents are received.
For questions or to check on the status of a submitted Subordination request, call:
Brevard: 321-752-2222, ext. 5505, option 1
Broward: 954-704-5000, ext. 5505, option 1
Miami-Dade: 305-882-5000, ext. 5505, option 1
All Other Areas: 800-447-7228, ext. 5505, option 1
* SCCU requires an appraisal for all Subordination requests.
** See the Subordination Request Form for additional information on payment options