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

Learn More		 You want a loan that won’t fluctuate with market rates. APPLY NOW
Adjustable Rate Mortgage Adjustable Rate Mortgages are variable and your annual rate may increase after the original fixed rate period.

 Learn More		 You want added payment stability and lower monthly expense. APPLY NOW
Condo Mortgage Loan Flexible condominium mortgage loan with up to 95% financing.

Learn More
  • 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. 

Learn More
  • 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:


Member Self-Service 
Quick Links 
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.
  • SCCU Routing Number: 263177903
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Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Collier, Flagler, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Polk, Putnam, Seminole, St. Johns, St. Lucie, Sumter, 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.