Space Coast Credit Union 15-year fixed rate mortgages

15-year fixed rate mortgages

Ease
4.64

Responsiveness
4.53

Rate
4.60

Time
4.49

Recommend SCCU
4.60

(Out of 53 member reviews)

This “traditional” type of loan maintains its original interest rate throughout the entire life of the loan. Fluctuations in market rates, over the term of your loan, won’t have any impact on the amount of interest you pay because that rate is already “fixed.”

BEST CHOICE IF:

ADVANTAGES :

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 1st & 2nd Home (Average savings of $2,500)
  • No Prepayment Penalties (Average penalty of $6000)
  • No 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
  • 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

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
    Broward: 954-704-5000, option 3
    Miami-Dade: 305-882-5000, option 3
    Tampa/Jacksonville: 800-882-5007, option 3
    All Other Areas: 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!

Unique Loans

For 15-Year Fixed Rate Mortgages

For example, a 15-year fixed rate loan for $200,000 with a 5.375% interest rate (5.698% APR) would require 180 monthly principal and interest payments of $1,620.94. Taxes and insurance escrows are not included. Other rates and terms are available. The terms used in this example are for illustrative purposes only and the actual terms you receive may be different depending on your individual circumstances. Loans with longer terms may increase the total number of monthly debt payments, as well as the aggregate amount paid over the mortgage term as compared to loans with shorter terms.

Application fees apply.

Mortgage loans are originated by Space Coast credit Union, and are subject to credit approval, verification and collateral evaluation. Programs, rates, terms and conditions are subject to change without notice. Certain restrictions apply.