Extended mortgage terms of up to 40 years!

Speak with one of our mortgage professionals to find out whether a 10-, 15-, 20-, 30- or 40-year term is right for you. Also available are low rate 3/1, 5/1 and 7/1 adjustable rate mortgages.

Please click on "Learn More" links for details and conditions for the loan programs listed below.

SCCU vs. Big Banks
Nothing compares to an SCCU Mortgage. You may have heard about Big Banks offering No Closing Cost Mortgages, but do those banks really offer any savings? Not at all! Read more about how SCCU Mortgages save you money! Learn More

Featured Mortgage Loan Cost Cutter Apply Online - Contact Us 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

First Mortgage "EASY REFI" Loan Receive a credit up to $5,000 to offset any refinancing costs. Use this mortgage to convert your adjustable rate mortgage to a fixed rate, take some cash out to make home improvements, or lower your monthly payments. Learn More

Real Estate Rebate Program Receive a rebate of up to $5,000.00 when you purchase a home. SCCU has established a network of Platinum REALTORS® who will give you a guaranteed commission rebate at closing! Learn More.

First Time Homebuyers Apply Now - Contact Us SCCU program for new home owners who have good credit, stable income, but little savings.

Education Professionals Apply Now - Contact Us 30 Year Fixed Rate Mortgage designed for Teachers and other Educational Institution employees. Greater flexibility for borrowers in low or moderate income brackets.

Police, Healthcare, and Firefighters Apply Now - Contact Us 30 Year Fixed Rate Mortgage designed for Civil Service Workers. Greater flexibility for borrowers in low or moderate income brackets.

No Stated Income - Apply Now - Contact Us For members who do not wish to document income. Our stated income loan programs allow you to qualify without the hassle of providing the standard income documents required under our standard loan programs. Please contact us for details.

Construction Loans - Apply Online - Contact Us 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.

Unique Loans Interest First Investment Property Lot Loans Manufactured Housing