Home Mortgage Loans and Home Equity Loans


SCCU Makes Your Mortgage Borrowing Needs Our Top Priority

Your path to homeownership and affordable mortgage financing starts with SCCU. Our home mortgage loans and home equity loan options protect your interests with a range of choices for your individual needs. Great mortgage loan rates and home equity loan rates, local decisions, and convenient application options make it easy to get the home loan you need from a credit union you can trust.
 

Choose the Loan Type that Best Fits Your Needs:

Product Name Benefits Features Recommended If
Mortgage Purchase Loans From conventional fixed rate home loans to FHA loans, jumbo loans and specialty mortgage loans, we offer a variety of mortgage options for your next home purchase. Learn More
  • Low mortgage rates
  • No application fee
  • Exclusive interest rate guarantee1
  • Mortgage Rates
You are buying your first home, or your next home, and want to get pre-qualified or apply for a purchase loan.APPLY NOW
Mortgage Refinance Loans Refinance your existing home loan with us and lower your rate for a more affordable monthly mortgage payment, or explore options for paying off your mortgage sooner. Learn More
  • No application fee
  • Low mortgage rates
  • Fast application process
  • Exclusive interest rate guarantee1
  • Mortgage Rates
You want to lower your mortgage rate or payment, or pay off your loan sooner. APPLY NOW
Fixed Rate Home Equity Loans (Second Mortgages)
  • 4.16/5
Finance a major purchase or consolidate debt with a second mortgage loan that features interest rates and loan payments that never change. Learn More
  • No pre-payment penalties
  • Low rates
  • Fast application process
  • Mortgage Rates
You want an equity loan that provides all of the money at once and features fixed monthly payments. APPLY NOW
Home Equity Line of Credit Loans (HELOCs)
  • 4.75/5
This flexible loan option allows you to borrow what you need, when you need it. Use funds for recurring costs like home remodeling projects or college tuition. HELOCs are also an excellent choice for emergency preparedness funds.
Learn More
  • Various terms and rates available
  • No application fee
  • Most loans close in 7 - 14 days
  • Mortgage Rates
You plan to use money periodically over time and want to only pay interest on the amount of money you've used.
APPLY NOW

All SCCU Mortgage Loans and Home Equity Loans Feature



Home Mortgage Loans: Purchasing


SCCU offers a variety of loan options for home purchase, whether you are a first-time homebuyer or ready to buy your next home.

Wondering if you should go with a fixed rate or an adjustable one? Here’s some guidance. If you plan to stay in your home long-term, rate fluctuations won’t affect you if you choose the conventional fixed-rate mortgage loan. But, if you like the idea of starting out with the lowest rate, you might prefer an adjustable rate mortgage loan.

Specialty products include the condo mortgage loan, the jumbo mortgage loan for loan amounts higher than $424,000, FHA loans that are ideal for first-time homebuyers, and construction loans for when you are building the home of your dreams.
 

 

Home Mortgage Loans: Refinancing


Take advantage of SCCU home loans when you’re refinancing your mortgage. If you refinance to lower your interest rate, you can benefit from more affordable monthly payments or pay off your loan more quickly. Or, consider a cash-out refinance if you need some extra cash for a large purchase or remodeling project. You can take advantage of these loan programs described below: fixed rate mortgages, adjustable rate mortgages, jumbo loans and FHA loans.
 

 

Fixed Rate Home Equity Loans


A fixed rate home equity loan (second mortgage) makes good sense when you need a lump sum of money for a one-time event. This event can range from replacing your roof to consolidating credit card debt. Principal and interest payments remain the same, so you don’t have to worry about fluctuating market conditions. You can borrow as little as $5,000, with terms up to 20 years.

 

Home Equity Lines of Credit


A home equity line of credit (HELOC) is the right choice when you want to periodically withdraw funds and/or have them available in case of emergency. You can borrow what you need, when you need it—in a lump sum or as you pay bills. You can borrow as little as $5,000 with a seven-year draw/seven-year repayment period. Other terms and rates are available.
 

 

Contact Us for Your Mortgage Loans and Home Equity Loans



You can contact us online or call the branch nearest you:
 

Brevard: 321-752-2222
Broward: 954-704-5000
Miami-Dade: 305-882-5000
All Other Areas: 800-447-7228
 

 

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.
 

  • SCCU Routing Number: 263177903
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Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, 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.