SCCU CAN OFFER
Variety of Options
No matter your housing need, we offer loan options for any home loan situation.
Speedy Process
Get into your buyers home quicker with fast in-house loan processing.
Home Buying Information
Get our one page download to easily explain what SCCU has to offer!
We'll help find you our best rate!
We have a team of Mortgage Originators that are ready to help you with your home lending needs at a branch of SCCU that's convenient to you!
Fixed Mortgage
7.24 % APRMeet the Team
Meet SCCU’s team of Mortgage Originators! With originators working across the Northland — from Grand Rapids in northeastern Minnesota to Ashland in northwestern Wisconsin — we’re ready to help you with your home lending needs at a branch of SCCU that's convenient to you!
Estimate your monthly payment
Let's see what your monthly payment could be
Homeowners Insurance: 100
Mortgage Insurance: 167
Are you a Realtor?
Download a 1-pager for your clients to explore our SUPERIOR Rates! We just need some contact information and the download will be available for you after completion.
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1
Complete an Application
Buyers can apply in the way that is most convenient for them: online, over the phone, or at one of our branch locations.
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2
Get Approved
We'll review their application, determine what mortgage amounts and terms they qualify for, and inform them of their acceptance.
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3
Finance The Home
Once approved, they can use the funds to purchase their home, and then they can start making monthly payments toward the total balance of the loan.
Disclosures:
All loans subject to approval.
Payment Example: For a $160,000 loan for a term of 30 years with a 3.875% Annual Percentage Rate (APR), the monthly payment would be $752.38. Taxes and insurance premiums are not included in the payment, the actual payment obligation may be greater than what is stated.
Advanced Options
Property Tax Rate
The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.
Homeowners Insurance (Monthly)
The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.
HOA Fees (Monthly)
These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.
Private Mortgage Insurance Rate
The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.
Disclosure
This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.
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