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Fixed Rate Conventional Mortgage Home Loan: Benefits
Conventional Fixed Rate Mortgage is rated 4.2 out of 5 by 596.
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Rated 5 out of 5 by from Great service I had some issues with the last mm between multiple accounts. I went into the branch and the person that help me was very professional and polite. She answered all my questions and was able to resolve my issue even though there were obstacles to getting it fixed.
Date published: 2016-09-09
Rated 4 out of 5 by from Very Good Service This brought my all my banking under one roof.
Date published: 2016-09-06
Rated 5 out of 5 by from Mortgage Refi I just refinanced my mortgage with SCCU. I can honestly say this was one if the best banking experiences I have had. All SCCU employees were extremely helpful and had great attitudes during the refinancing process.
Date published: 2016-08-30
Rated 5 out of 5 by from Refinance I refinanced my mortgage with SCCU this past month. I was very pleased with the support team that handling my file from application to closing. Everyone was very informative and helpful and made this process very easy. I highly recommend SCCU to all my friends for their banking and loan needs.
Date published: 2016-08-30
Rated 2 out of 5 by from Slow and painful process Started the process with high hopes. Took five months and I did all the work. Provided same information numerous times to numerous people. Too many hands involved in my process...someone out of office, on vacation, out sick etc. We even had to be assigned new processors more than once because of this. Very stressful. Almost cancelled our application. I do, however, recommend Space Coast Credit Union for any other banking needs.
Date published: 2016-08-30
Rated 5 out of 5 by from refinance easy, saved money on lower interest rate, no problems with processing
Date published: 2016-08-30
Rated 1 out of 5 by from Slow Process I started my refinance process in April. They told me the process will take 30-45 days. It actually took 4 months. The loan processor showed lack of care and knowledge. I will call her, leave her messages, and she wouldn't return my calls. Overall, this was a terrible and dragged out experience.
Date published: 2016-08-30
Rated 1 out of 5 by from ReFi mortgage The closing coordinator did a great job of getting the loan closed after the processing was finally completed...The processing seemed to take forever and there was no feedback from the processor unless I called her...the picture I got was that she had piles of loans on her desk and didn't have time to understand my situation which I'm sure slowed down my loan...I started the process in what I thought was more than enough time and it ended up going down to the wire..We closed in May31st and left for our vacation on june 2nd..
Date published: 2016-06-10
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  • 4.14/5
Read all 596 reviews


This "traditional" type of fixed rate mortgage loan maintains its original interest rate throughout the entire life of the loan. If you plan on staying in your home long-term, choosing a Space Coast Credit Union fixed rate home loan means fluctuations in market rates over the term of your loan won't have any impact on the amount of interest you pay because your rate is already fixed.

  • Reliable - Fixed rate mortgages provide principal and interest payments that remain the same over the life of the loan.
  • Flexible - Make additional principal payments as desired with no prepayment penalties. 10-, 15-, 20- and 30-year fixed rate terms available. Choose a shorter mortgage term to pay off your loan faster.
  • Affordable - Low credit union rates, no hidden fees, and no intangible tax.
  • Fast - We provide pre-approvals in minutes, so you can start looking for your new home right away.
  • Rebate - You can earn a rebate when you work with any Realtor in our HomeAdvantage program! The rebate can be used to reduce your closing costs or be delivered as cash back after closing.+

APPLY NOW

Or Call Express Sales Today:

Brevard: 321-752-2222 option 3
Broward: 954-704-5000 option 3
Miami-Dade: 305-882-5000 option 3
All Other Areas: 800-447-7228 option 3

 

All SCCU Mortgage Loans Feature





Important disclosures, payments, assumptions, and APR information

Mortgages: APR = Annual Percentage Rate. Mortgage loans are originated by Space Coast Credit Union, and are subject to credit approval, verification and collateral evaluation. Programs, offers, rates, terms, and conditions are subject to change or cancellation without notice. Certain restrictions apply. These mortgage loan programs constitute first mortgage liens secured by the home and property. The down payment is determined by the Loan to Value ratio. (90% LTV = 10% down payment) Loans exceeding 80% of the appraised value of the home require private mortgage insurance. Member responsible for any funds needed for closing costs and pre-paid escrow. Loan to value limits and private mortgage insurance requirements do not apply to HARP loans.

1Mortgage Interest Rate Guarantee: If the comparable SCCU interest rate is
lower than your original interest rate five (5) business days before the closing and the interest
rate lock-in has not expired, SCCU will reduce the interest rate on your loan 5 business
days prior to closing. This is limited to a reduction of .25 percent. A one-time fee of $75
will be assessed at time of closing if this Price Guarantee is exercised and your rate
is reduced. Other conditions may apply, contact SCCU for details.

2Mortgage Down Payment: Conditions apply. Program applies to primary residence, single family detached homes in good condition and condos meeting program conditions. 5% down payment must come from member's own funds. Contact SCCU for complete details.

+The HomeAdvantage program, along with its features and benefits, is available to you through a joint relationship between your credit union and CU Realty Services. In order to earn a rebate, buyers and sellers must use ine if the real estate agents in the approved HomeAdvantage agent network. Rebate amounts will vary depending on the price of the house sold or purchased, and the commissions paid out to the agent. Rebates are available in most states. Please contact SCCU for more details.
 
  • SCCU Routing Number: 263177903
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Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

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Member Rewards

Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.