Home Loans
Get the home of your dreams with a low rate mortgage that won't drain your bank account.
Home Lending Options:
Fixed
Make it easy to predict your monthly payments with a fixed rate that won't change over the lifetime of your loan.
ARM
Take advantage of falling rates and keep your payments low with an adjustable rate mortgage.
Home Equity
Need to pay for ongoing expenses? Use the money in your house and have piece of mind!
Construction
Build your forever home with a construction loan! Providing milestone‑based financing that helps you fund your dream from start to finish.
Low Rates
Save money with lower rates compared to most other institutions.
Variety of Options
No matter your housing need, we offer loan options for any home loan situation.
Speedy Process
Get into your new home quicker with fast in-house loan processing.
Personalized Support
Find the best solution for your unique home loan needs.
Let's Build Your Dream Home Together
Construction loans give you flexible financing to build your dream home, converting to a long‑term mortgage once the project is complete. Designed to support every stage of the building process, SCCU helps you turn plans and materials into a finished space for your family. With the right financing partner, we can build stronger communities together, one project at a time.
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1
Complete an Application
You can apply in the way that is most convenient for you: online, over the phone, or at one of our branch locations.
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2
Get Approved
We'll review your application, determine what mortgage amounts and terms you qualify for, and inform you of your acceptance.
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3
Finance Your Home
Once approved, you can use the funds to purchase your home, and then you can start making monthly payments toward the total balance of the loan.
Estimate your monthly payment
Let's see what your monthly payment could be
Homeowners Insurance: 100
Mortgage Insurance: 167
Meet the Team
Meet SCCU’s Mortgage Originators! From Grand Rapids, MN to Ashland, WI, we’re here to help with your home lending needs at a branch near you.
Set up a meeting!
Disclosures:
All loans subject to approval.
Payment Example: For a $160,000 loan for a term of 30 years with a 7.000% Annual Percentage Rate (APR), the monthly payment would be $1,064. Taxes and insurance premiums are not included in the payment; the actual payment obligation may be greater than what is stated.
NMLS #671434
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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