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Home Buying Center

Take the mystery out of home buying!

We get it: buying a home is probably one of the largest financial commitments of your life, and it can be stressful! When it comes to buying and financing a home, the options seem limitless. For you, knowledge is power. At SCCU, we take our role as Members’ Watchdog seriously. That’s why our knowledgeable home loan associates are always ready to help you talk through the process—to make sure you find the financing that’s right for you. Check out the tools and tips in our Home Loan Center to help you along the way!

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With a pre-approved home loan, you know your budget and buyers know you’re serious!

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Quick Tips

Check out these guides to help you navigate your home-buying journey.

Helpful Articles

HELOC Loan vs. Cash-Out Refinancing: Everything You Need to Know
October 12, 2021 by Space Coast Credit Union
Whether you’re looking to transform your home renovation dreams into reality, plant seeds for investments, or cover unforeseen expenses, you have a variety of options when it comes to how you can tap into your wellspring of home equity. But which option is best for you? In this article, we’ll explore the pros and cons of HELOC loans vs cash-out refinancing.
The Ultimate Guide to FHA Loans
August 27, 2021 by Space Coast Credit Union
Home loans are the key to turning a house you love into a home that belongs to you. As you’re exploring your options, you may stumble across FHA loans and wonder what they entail and if one’s right for you. FHA loans have many different benefits and are targeted at helping both new home buyers achieve the dream of home ownership and those looking to refinance. 
How Mortgage Refinancing Works (+The Best Time to Do It)
August 12, 2021 by Space Coast Credit Union
Refinancing your mortgage can help you save money with a lower interest rate and get you to the home ownership finish line faster than your current one. Or, it could be a good way for you to cash out on some of your home’s equity for other projects. To determine if it’s the right path for your goals, it’s best to understand how mortgage refinancing works more in depth.
5 Top Tips to Getting the Best HELOC Rates
July 29, 2021 by Space Coast Credit Union
Whether you’re getting your feet wet or diving in the world of loans, a HELOC is often a prime choice for borrowers. And the crown molding on top? You can often get a lower interest rate with a HELOC than with other types of loans and credit cards! See our 5 top tips to getting the best HELOC rates...
How Does a Home Equity Line of Credit Work? A Guide to HELOC Loans
July 9, 2021 by Space Coast Credit Union
Most people have heard of a Home Equity Line of Credit (HELOC), but you may not be as familiar with how they work. In today’s deep dive, we’re going to explore all the ins and outs of this fantastic loan vehicle for homeowners to get the cash they need to do repairs, renovations, and more—all based on the equity they already have in their home.
FHA Loans: What to Know Before You Apply
July 7, 2021 by Space Coast Credit Union
It’s not always easy to save up for the large down payments that some types of mortgages require. The good news? There are other loan options that can help you reach your homeownership goals.
Are You Ready for Hurricane Season?
May 12, 2021 by Space Coast Credit Union
While many of us are still weathering the effects of the COVID-19 pandemic, we now have to be prepared for hurricane season as well.
How to Make Your Loan Payment
April 1, 2021 by Space Coast Credit Union
SCCU’s loan payment process is designed to be as quick and convenient as possible, saving you two of the things you care about most – time and money.
Five Tips to Building Your Dream Home
April 1, 2021 by Space Coast Credit Union
Here are 5 tips to building your dream home, from creating a prioritized list of wants and needs to choosing the best lender for your home construction loan.
A Beginner's Guide to Construction Loans
April 1, 2021 by Space Coast Credit Union
This construction loan guide is to help you understand everything you need to know about how construction loans work and how these unique instruments can benefit you during construction.
Navigating the Home Loan Journey
February 10, 2021 by Space Coast Credit Union
Understanding today’s mortgage landscape will help you become a more informed decision maker and put you on the path to successfully reaching your goal — moving into your new home, or enjoying the spoils of your growing equity.
The Ultimate Guide to Mortgage Loans
January 25, 2021 by Space Coast Credit Union
Learn the differences between fixed-rate, ARM and other mortgages in our guide to mortgage loans. Find out how to choose the lender that's right for you.
Which Type of Mortgage is Best for Me?
October 22, 2020 by Space Coast Credit Union
By the end of this guide, you will have a clearer understanding of the different types of mortgages and be able to narrow down which mortgage type may be best suited for you.
5 Tips for Buying a House During the Pandemic
June 30, 2020 by Space Coast Credit Union
Although you should move forward carefully in the homebuying journey, you do not have to put your dream home on hold.
SCCU Member Hurricane Checklist
August 28, 2019 by Timothy M. Antonition
Overall we have been relatively lucky in the last several years; however, we always need to be prepared.
How to Tackle Your New Home Search
August 27, 2018 by Gary Prager
If you’re just starting your new home search, you’ll be quick to find it’s no longer a “buyer’s market.”
Mortgage Rates are Rising, is it Better to Buy or Wait?
April 5, 2018 by Gary Prager
If you’ve been on the fence, now might be the time to act. 
Spring into Home Buying
February 7, 2018 by Space Coast Credit Union
Spring is a busy season in the housing market, with more homes available than any other time of year. 
Home Improvement Tips and Strategies
December 8, 2017 by Space Coast Credit Union
Ready to remodel? Here are three important home improvement tips.
3 Important Mortgage Loan Questions to Ask
July 14, 2017 by Space Coast Credit Union
If you’re buying your first home or haven’t applied for a mortgage in a while, ask your lender these questions.
Home Loan Process: Pre-Approval to Closing
June 1, 2017 by Space Coast Credit Union
If you're new to home buying, it's natural to wonder how the mortgage loan process works.
How Much House Can I Afford?
May 18, 2017 by Space Coast Credit Union
It's a question we get asked frequently, and there are many factors that go into answering it...
Down Payments: How Much is Enough?
April 20, 2017 by Space Coast Credit Union
Making a down payment is an investment and, as with any investment, it's important to weigh the pros and cons.
What is a Mortgage Pre-Approval?
April 20, 2017 by Space Coast Credit Union
Is a mortgage pre-approval something you need before you can start house shopping?
How Interest Rates Affect Your Mortgage
May 13, 2016 by Space Coast Credit Union
The interest rate on your mortgage can affect your monthly payment by thousands of dollars each month.
The SCCU HomeAdvantage
March 1, 2015 by Gary Prager
Space Coast Credit Union aims to be the one-stop-shop for members purchasing a home.
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 (Ex: 90% LTV = 10% down payment). Loans exceeding 80% of the appraised value of the home require private mortgage insurance (PMI). Member responsible for any funds needed for closing costs and pre-paid escrow. Consult an SCCU Express Services Associate for details.