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SCCU’s Mortgage
$1,000 On Time
Closing Guarantee*

With Space Coast Credit Union's $1,000 On Time Mortgage Closing Guarantee, you can rest easy knowing that your loan will close on time or we'll give you $1,000¹.

We will close your mortgage loan in 45 days or less¹ or you will receive $1,000 in the form of a closing cost credit!
  • Why should you choose SCCU for your home loan?
  • We offer a loan type for every need
  • Put as little as 5% down²
  • With our low rates, you'll save THOUSANDS on interest payments compared to other lenders
  • You'll receive the lowest possible rate with our Exclusive Interest Rate Guarantee³!
  • Lower closing costs, plus our On Time Closing Guarantee¹
  • No application fee
  • Fast application by phone or online. No need to wait for an appointment
There are three easy ways to apply for an SCCU mortgage loan, Choose the option most convenient for you:
  1. Apply online 24 hours a day, 7 days a week
  2. Call our Express Sales Center (select option 3) to speak to a Mortgage Representative.
    Brevard: 321-752-2222
    Broward: 954-704-5000
    Miami-Dade: 305-882-5000
    All Other Areas: 800-447-7228
    Hours: Monday-Friday 8:00am-6:30pm Saturday 9:00am-3:00pm
  3. Insist on SCCU financing at your REALTOR®
Not a current member? Not a problem! You don’t have to be a member to apply for an SCCU mortgage loan.
Federally insured by National Credit Union Administration
We Do Business in Accordance With the Federal Fair Housing Act
Mortgage loans originated by Space Coast Credit Union. Mortgage programs constitute first mortgage liens secured by the home and property. Loans are subject to credit approval, verification, and collateral evaluation. ¹ $1,000 On Time Closing Guarantee: Space Coast Credit Union (SCCU) will close your loan within 45 days from the date our application is signed (or the closing date specified in the purchase contract, whichever is greater) or the borrower will receive a $1,000 credit in the form of a closing cost credit. Closing cost credit will be awarded at loan closing. On Time Closing Guarantee applies to conventional purchase loans where the loan to value (LTV) is 90% or less. Closing Guarantee does not apply to jumbo loans, FHA loans, VA Loans, construction loans, short sale purchases, refinances, or commercial mortgage loans. In order for the closing guarantee to be valid, the following conditions must be met:
  • The borrower must close a loan with SCCU
  • The borrower must deliver all required documentation to SCCU within eight (8) days of application. Upon initial review, requests for additional documentation may be made and must be fulfilled by the borrower within three (3) days of the request
  • A closing date must be specified in the original purchase contract
  • The appraisal must meet or exceed the property's listed sale price
  • he borrower may not change loan product or terms
  • The closing may not be delayed due to receipt of survey, title work, inspection report repairs, insurance policy binders or other matters not controlled by SCCU
  • The closing may not be delayed due to borrower's omissions or delays caused by an unaffiliated third party
  • The borrower's application and/or documentation may not contain fraudulent information
  • The closing may not be delayed due to the seller's failure to close on time
  • If applicable law or requirements impose a required waiting period prior to closing and the waiting period prohibits an on time closing, guarantee is not valid.
  • If the closing is not able to occur due to inclement weather, a natural disaster, catastrophic event or other emergency beyond SCCU's control, closing guarantee is not valid.
On Time Closing Guarantee may not be combined with any other offer. SCCU reserves the right to withdraw or change Guarantee at any time without notice. ² 5% Down: Conditions apply. Program applies to primary residence, single family detached homes in good condition. Contact SCCU for complete details.

³ Interest Rate Guarantee: If your SCCU quoted rate is lower at 12:00pm five days prior to closing and the interest rate lock-in has not expired, SCCU will reduce your rate to the lower rate automatically. Rate guarantee is void if there is a change in property, loan program, loan term, or adjustments to interest rate based on credit score. Other conditions apply, contact SCCU for details.

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