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Mortgage Products

Home Loan Options to fit Every Member's Needs!

Whether you're a first-time homebuyer, moving up, or downsizing, SCCU offers a variety of mortgage options for your home purchase. Our local decision makers can help guide you through the process, answer your questions, and provide you with a fast mortgage application and loan closing process.

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  • Fast Pre-qualification Decisions, Online or Over the Phone
  • No Intangible Tax21
  • SCCU Member Service for the Life of the Loan
  • SCCU Interest Rate Guarantee18

Enjoy the excitement and overcome the hurdles. Gone are the days when well-qualified buyers needed as much as 20% down!

Save thousands when it's time to close on your loan!

Create stability, knowing you'll have the same principal and interest payment amount each month for the life of the loan.

Plan and build the home of your dreams.

Start building equity with a lower rate and payment at the beginning of your loan.

Create a path to your carefree Florida condo lifestyle.

Go big! Finance your dream home and live the lifestyle you've worked hard to achieve.

Buy your home with a lower down payment!

Reap the rewards of your military service and move into a home for less.

Refinancing your current mortgage with us could mean a lower rate, lower monthly payments, cash back in your pocket to fund a large purchase, or even a faster payoff!

Your first step to building your next home. 

No Down Payment Home Loan
Enjoy the excitement and overcome the hurdles. Gone are the days when well-qualified buyers needed as much as 20% down!
Apply Now
No Closing Costs Home Loan
Save thousands when it's time to close on your loan!
Apply Now
Conventional Fixed-Rate Mortgages
Create stability, knowing you'll have the same principal and interest payment amount each month for the life of the loan.
Apply Now
Construction-to-Permanent Loans
Plan and build the home of your dreams.
Apply Now
Adjustable-Rate Mortgage
Start building equity with a lower rate and payment at the beginning of your loan.
Apply Now
Condo Loans
Create a path to your carefree Florida condo lifestyle.
Apply Now
Jumbo Home Loans
Finance your dream home and live the lifestyle you've worked hard to achieve.
Apply Now
FHA Home Loans
Buy your home with a lower down payment!
Apply Now
VA Home Loan
Reap the rewards of your military serviceĀ and move into a home for less.
Apply Now
Mortgage Refinance
Refinancing your current mortgage with us could mean a lower rate, lower monthly payments, cash back in your pocket to fund a large purchase, or even a faster payoff!
Apply Now
Lot Loans
Great first step to building your home on your own lot.
Apply Now
Terms
Terms

Up to 30 Years

Terms

Up to 30 years fixed

Terms

Up to 30 Years

Terms

Up to 30 Years

Terms

Up to 30 Years

Terms

Up to 30 Years

Terms

Up to 30 Years

Terms

15 and 30 Years

Terms

15-Year Fixed; 30-Year Fixed

Terms

Up to 30 Years Fixed, Jumbo, FHA, VA, 5/1 ARM, and 7/1 ARM

Terms

3 year fixed interest only with balloon65

Application Fees
Application Fees

No

Application Fees

None

Application Fees

None

Application Fees

None

Application Fees

None

Application Fees

None

Application Fees

None

Application Fees

None

Application Fees

None

Application Fees

None

Application Fees

None

Pre-Payment Penalties
Pre-Payment Penalties

None

Pre-Payment Penalties

None

Pre-Payment Penalties
N/A
Pre-Payment Penalties
N/A
Pre-Payment Penalties
N/A
Pre-Payment Penalties
N/A
Pre-Payment Penalties
N/A
Pre-Payment Penalties
N/A
Pre-Payment Penalties
N/A
Pre-Payment Penalties
N/A
Pre-Payment Penalties

None

Intangible Tax
Intangible Tax

None

Intangible Tax
N/A
Intangible Tax

None

Intangible Tax

None

Intangible Tax

None

Intangible Tax

None

Intangible Tax

None

Intangible Tax

None

Intangible Tax

None

Intangible Tax

None

Intangible Tax

None

Origination Fee
Origination Fee

$1,100 plus .25% of loan amount

Origination Fee

None

Origination Fee

$1,100 plus .25% of loan amount

Origination Fee

$1,100 plus .25% of loan amount

Origination Fee

$1,100 plus .25% of loan amount

Origination Fee

$1,100 plus .25% of loan amount

Origination Fee

$1,100 plus .25% of loan amount

Origination Fee

$1,100 plus .25% of loan amount

Origination Fee

$1,100 plus .25% of loan amount

Origination Fee

$1,100 plus .25% of loan amount

Origination Fee
N/A
Available With
Available With

Conventional Fixed-Rate; Select Adjustable-Rate Purchase Loans; Hero Home Loan's Rate Reduction Option; Single-Family Homes only

Available With

Conventional Fixed-Rate Purchase or Refinance; Construction; Jumbo; Select Adjustable-Rate Purchase Loans

Available With
N/A
Available With

Select Adjustable-Rate Purchase Loans; No Closing Costs; Jumbo

Available With

No Closing Costs; Jumbo; Construction

Available With
N/A
Available With

30-year, 20-year, 15-year and 10-year Conventional Loans; 5/1 and 10/1 Adjustable-Rate Mortgages (ARMs); Construction-to-Permanent Loans

Available With
N/A
Available With
N/A
Available With
N/A
Available With
N/A
Other Fees
Other Fees
N/A
Other Fees

Prepaid Taxes, Interest, and Mortgage Insurance

Other Fees
N/A
Other Fees
N/A
Other Fees
N/A
Other Fees
N/A
Other Fees
N/A
Other Fees
N/A
Other Fees
N/A
Other Fees
N/A
Other Fees
N/A
Pre-payment Penalties
Pre-payment Penalties
N/A
Pre-payment Penalties
N/A
Pre-payment Penalties

None

Pre-payment Penalties

None

Pre-payment Penalties

None

Pre-payment Penalties

None

Pre-payment Penalties

None

Pre-payment Penalties

None

Pre-payment Penalties

None

Pre-payment Penalties

None

Pre-payment Penalties
N/A
Origination Fees
Origination Fees
N/A
Origination Fees
N/A
Origination Fees
N/A
Origination Fees
N/A
Origination Fees
N/A
Origination Fees
N/A
Origination Fees
N/A
Origination Fees
N/A
Origination Fees
N/A
Origination Fees
N/A
Origination Fees

$1,100 plus .25% of loan amount

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Frequently Asked Questions

You can apply online or by phone.

Have questions? Our Team Members can help you find the mortgage that's right for you, and take your application over the phone in just minutes. Once your application is completed, one of our Mortgage Representatives will contact you within one business day. We'll keep you informed every step of the way.

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Space Coast Credit Union provides all who work or live in these 34 counties in Florida with mortgages loans. SCCU mortgage loans are available for properties throughout Florida, provided you meet our membership requirements. Membership is not required prior to applying - we can take care of your mortgage loan application and membership at the same time!

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Refinancing your current home loan—whether from SCCU or another lender— is quick and easy! You can apply online or over the phone with a Team Member.

Please visit our Mortgage Refinance page for information on refinance loans and options.

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In addition to principal and interest, mortgage payments include amounts for annual payments of homeowner's insurance and property taxes. The anticipated annual insurance premium and tax bill amounts are divided equally by 12 payments. One-twelfth of the annual amount for each is included with your mortgage payment and held in an escrow account. When it's time to make the insurance and tax payments, SCCU makes the payments from this escrow account. Escrow will be evaluated each year, and your monthly amounts could increase or decrease, depending on what the actual annual payment amounts are.

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You can check the status of your mortgage loan application at any time here. After your application is completed, a Mortgage Representative will contact you to answer any questions you may have. Your Mortgage Representative is a mortgage expert and will provide help and guidance along the way. If your request wasn't approved online, they'll ask you for any information required to make a decision about your loan. 

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