Mortgage
Home loans made simple.
Your home is more than a house. It's where your memories are made with the people you love. It's also a very large investment in your future. We offer mortgage products that will carry you through the entire life cycle of home ownership, from starter home to dream home, and through retirement! We're here to help guide you through it all.
Why Choose SCU Credit Union?
Trusted local lenders who know the market.
Loans serviced in-house, so help is always nearby.
Competitive rates and terms & low fees.
Mortgages
Highlights
Homeownership starts here.
At SCU Credit Union, we offer competitive mortgages with personalized, local service for residents in Massachusetts and Rhode Island. First-time buyers, those refinancing, and homeowners seeking guidance are welcome!
Where are you in the home buying process?
Float down your interest rate once, at no additional cost.
Get pre-approved with SCU Credit Union's Smart Start Program. Down payments starting at 3%, up to $1,000 closing costs credit, and fast processing.
First Time Home Buyers
ARMs can be a powerful tool for first-time homebuyers to enter the market, especially with rising fixed interest rates and the ever-increasing burden of rent.
We offer ARM mortgages with down payment options starting as low as 3% for first time home buyers
VA Home Loans, USDA, FHA, and Reverse Mortgages
Affordable solutions and unique loan options for every stage of your homeownership journey.
Federal Mortgage Programs
- VA Home Loan
- Reverse Mortgages
- FHA/FHA Rehab Loan
- USDA Loan
Partnership
Our partnership with Allanach Mortgage Group allows the Credit Union to offer our members products such as FHA 203k Rehab, VA, Reverse Mortgages, and loans out of state in CT, RI, ME, NH, VT, FL, SC, and GA.
Vacation Homes & Investment Property
Flexible financing options to grow your investments or secure your dream getaway property.
Highlights
- Competitive rates and terms
Great Additional Benefits
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We service mortgages locally, meaning your loan stays with SCU Credit Union—from origination to servicing.
Your Mortgage Resource Toolkit
A trove of tools and tips to transform your finances