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Miami Home Loans

Whether you're ready to apply now for a mortgage loan for your new Miami home or want to become pre-qualified, SCCU has the options you want. Our comprehensive home financing solutions include conventional, fixed-rate mortgages that give you a predictable rate, adjustable rate mortgages that help you fit home ownership into your budget, and much more. Great mortgage rates, no application fee, and streamlined application and closing processes are just the beginning — we also offer local decision makers right here in Miami who provide personal service and expert guidance along the way. Start your application today online or visit an SCCU branch located near you.

Miami / North Miami Beach Area Branches:

Bird Road, Coral Gables, Cutler Bay, Homestead, Kendall Breeze, Kendall Wal-Mart, Miami Gardens Wal-Mart, NW 36th Street, Skylake, South Dixie, Sunset

Choose the Loan Type that Best Fits Your Needs

Product Name

Benefits

Features

Recommended For

Conventional Fixed Rate Mortgage

4.16/5

Read all 619 reviews

This "traditional" type of loan maintains its original interest rate throughout the entire life of the mortgage loan.

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Fixed rate
Variety of terms available
Mortgage Rates

You want a loan that won’t fluctuate with market rates. APPLY NOW

Adjustable Rate Mortgage

4.24/5

Read all 21 reviews

Adjustable Rate Mortgages are variable and your annual rate may increase after the original fixed rate period.

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1/1 to 7/1 adjustable rate terms available
Mortgage Rates

You want added payment stability and lower monthly expense. APPLY NOW

Condo Mortgage Loan

Flexible condominium mortgage loan with up to 95% financing.

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Fixed and adjustable rate mortgage options available
Variety of terms available
Mortgage Rates

You want benefits of condo living with a great loan rate. APPLY NOW

Jumbo Loan

A higher mortgage financing option for loans larger than the conventional limit of $417,000.

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Fixed and adjustable rate mortgage options available
Variety of terms available
Mortgage Rates

Your mortgage loan financing needs are greater than conventional loan limits. APPLY NOW

All Miami Home Loans Feature:

Fast application by phone or online, with no application fee. Plus, onsite underwriters for fast decision times
Our exclusive interest-rate guarantee!¹ You can relax knowing that if our rates have dropped when it's time to close, we'll pass on the savings!
Low rates and closing costs
Up to 95% Financing²
SCCU servicing after the close. Contact SCCU for payments and questions for the life of your loan
Free Online Banking & Mobile Banking
Free Account Alerts to help you manage your accounts

Member Self-Service

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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.