Space Coast Credit Union

Whatever type of home loan you need, SCCU offers the fastest, most convenient mortgage process around with the personal service and features you deserve, like

• Fixed rate provides principal and interest payments that remain the same
• Allows you to own your home faster than a traditional term mortgage
• No Intangible Tax (Average savings of $500)
• No Origination Fees for 1^st & 2^nd Home (Average savings of $2,500)
• No Prepayment Penalties (Average penalty of $6000)
• Low Application Fee
• Fast closings
• Low rates, including low PMI (Private Mortgage Insurance) costs
• Easy paperwork
• FREE mortgage consolations and checkups
• Receive a credit of up to $5,000 to offset your closing costs with our Easy Refi Program - get more details here
• Receive a rebate of up to $5,000 by working with a participating agent using our exclusive Real Estate Rebate Program - get more details here
• 99.9% Member Satisfaction Rating
• Loans are serviced by SCCU
• Local, trusted lender since 1951

Read reviews from SCCU members about their mortgage! Only members with this product are invited to provide their comments and ratings.

Recommendation Rating

Susan G

8/30/2009 3:22:20 PM

4 Stars

I had to supply bank statements which, as a member, were readily available to SCCU. It just added to the paperwork that I had to compile. And as I had refinanced my mortgage previously with SCCU, I felt the closing costs could have been cheaper.

Sabrina Y

8/29/2009 2:14:26 AM

4 Stars

I filled out all my pages of loan app on-line and then when I was called back, had to go through most of that paperwork again (10+ pages, I believe). Our calls could have been returned in a timely manner. Sometimes he didn't return them at all and we would call him back a couple days later. This made it take longer to close and we were rushed to close before our rate expired, but it ended up all working out. There were also questions we had at closing and after about some fees we incurred and it took him a couple days to return our call and I still don't understand why we were charged those fees when it wasn't even mentioned in the good faith estimate, etc. The math just didn't add up. Also, when SCCU closed our HELOC on the payout, we had already made a payment on it, so the balance was less than what we paid at closing, therefore, we should've been credited - and never were. Nobody returned my call about that.

Walter C

7/12/2009 6:18:12 PM

5 Stars

Everthing was done in a professional and timely manner. All personnel were very helpful and it was a pleasure to conduct business with such great people.

Frank D

6/10/2009 12:35:10 AM

5 Stars

Great Customer service... Always returned calls same day...

Evelyn J

6/9/2009 3:42:29 PM

4 Stars

Piaid home equity loan faster. The payment wastaken from my automatic payment and it was one week before it was returned. We closed on May 22, payment was withdrawn on May 25 and redeposited to my account on June 2

Dave B

5/13/2009 4:38:51 PM

4 Stars

I was perfectly satisfied with the process. a little more feedback, like "this is what is happening now, and typically it should take about ----- (so long)"

Sheryl S

5/13/2009 1:33:20 PM

5 Stars

Answer questions when sent via Mortgage Application

Carol T

3/21/2009 8:47:31 AM

5 Stars

Chris Gray was very knowledgeable and efficient in our refinancing process. Enjoyed working with her, she was available for answers to our questions.

margaret k

3/20/2009 6:49:42 PM

5 Stars

Delbert was helpful and professional.

James S

3/20/2009 6:23:03 PM

3 Stars

Did not send payment book or notice and when called, said that they arranged for payment to be taken out of our accounts, we never agrred or signed up for this option was a total unilateral decesion on your part. Totally un=acceptable

Linda F

2/26/2009 11:28:24 PM

5 Stars

I was impressed with the knowledge and information Phil was able to provide from beginning to end. It was a pleasant not to have to sit for long periods of time and fill out paperwork. This was done for us. Being able to contact the SCCU representative at any time by phone, cell or email was a definite plus.

Brenda D

2/26/2009 9:03:05 PM

5 Stars

I ended up faxing some documents twice. Needs to be better communication between person who initially takes the info and the loan processor. Loan ended up being attached to an account that I did NOT provide during the initial phone call. By the time I figured out what happened, it would have meant starting over to correct it.

George P

2/26/2009 7:59:49 PM

5 Stars

The staff at the branch we went to were just so efficient and pleasant. I was very happy how things were handled

Leighton D

10/11/2008 1:07:08 PM

5 Stars

A very pleasant experience

Patricia M

7/10/2008 2:42:05 PM

5 Stars

I felt that the whole process was very straight forward and with friendly service.

CATHERINE K

5/8/2008 10:56:47 PM

5 Stars

THE 250 DOLLAR COUPON WAS ADDED TO MY FEES INSTEAD OF SUBTRACTING I FOUND ERROR LONG WAIT FOR IT TO BE REFUNDED

joseph a

4/15/2008 11:54:07 AM

5 Stars

all was courteously and professionally handled

J S

3/24/2008 6:59:09 PM

5 Stars

Send appraisals and documents for review by US Postal Service, and don't try the electronic version. I was never able to get any of the loan documents electronically for review despite having them forwarded by several members of your staff. This included the pre-closing documents (Truth in Lending), as well as the appraisal. For some reason the secure server would not recognize the userID and password, and the emailed version would not open. It took almost 2 weeks to get a version that I could review. Based on my experience, I'd think the program/forwarding service that you use needs some work. The documents were finally forwarded to me by US Postal Service and I got them in one day - after trying for two weeks to get them electronically.

John M

3/22/2008 10:43:57 AM

5 Stars

We needed to close a mortgage very quickly and with some complicating aspects to it. SCCU indicated that it could work with our situation and get our mortgage closed within the timeframe available. It took significant work on the part of the person at SCCU to accomplish this, but she was successful. This is the best mortgage service that I have ever received.

Harman

3/15/2008 2:32:33 AM

3 Stars

Allow more input from the customer and then take that to heart, I feel throughout this entire process I was in the way of the system. I should have felt that the system was there to please me. I did not change closing companies as it was late in the process and I wanted to get the mortgage closed. I was told by the closing agent that NO payments would be taken out on March 01, as the company which would be receiving my payoffs is in fact the same as who holds the mortgage. This was due to the fact that we had such notice on the closing date and time.

Jim D

3/14/2008 8:13:07 PM

5 Stars

Kris was extremely knowledgeable and the process was very easy with her help.

Choose from one of our 15-year fixed rate loan programs that is best for you!

	Cost Cutter Loan Pay $0 in lender fees! Significantly lower your out-of-pocket costs to obtain a mortgage! Get a 15- or 30- Year Fixed Rate Mortgage without paying the Space Coast Credit Union lender fees at application and/or closing. Learn More - Apply Now - Contact Us
	My Community Mortgage This program is geared towards lower to middle income first time homebuyers and offers a minimal down payment and reduced PMI coverage. Apply Now - Contact Us
	First Time Homebuyers SCCU program for new home owners who have good credit, stable income, but little savings. Learn More - Apply Now - Contact Us
	Construction Loans In addition to more traditional loans we also offer construction/perm loans. This unique loan allows you to close on your loan with a fixed rate during construction and only have to pay closing costs once. Minimum loan amount is $50,000. Apply Online - Contact Us

Applying for a Space Coast Credit Union Mortgage is fast and easy!

1. By Phone

   Call our Express Services Associate team Monday - Friday, 8 a.m. to 6:30 p.m., Saturdays, 9 a.m. to 3 p.m.

   Brevard: 321-752-2222, option 3
   Toll Free: 800-447-7228, option 3
   

2. Online

   Apply online 24 hours a day, 7 days a week. Explore your different options and fill out our easy online application.

3. At In Person

   Contact one of our award-winning Mortgage Representatives and set up and appointment at any of our SCCU branches, or we can come to you!