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Home Loans

Get the home of your dreams with a low rate mortgage that won't drain your bank account.

Apply for a Mortgage
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Low Rates

Save money with lower rates compared to most other institutions.

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Variety of Options

No matter your need, we offer loan options for any situation.

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Speedy Process

Get into your new home quicker with fast in-house loan processing.

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Fixed

Make it easy to predict your monthly payments with a fixed rate that won't change over the lifetime of your loan.

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ARM

Take advantage of falling rates and keep your payments low with an adjustable rate mortgage.

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HELOC

Need to pay for ongoing expenses? Use the money in your house and open a Home Equity Line of Credit.
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Construction

If your dream home doesn't exist, build it! Get a home loan to start construction on your next property.

How to get your Mortgage Loan

It's easy to apply for a low rates mortgage with SCCU. Just follow these simple steps:

  • 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.

  • 2

    Get Approved

    We'll review your application, determine what mortgage amounts and terms you qualify for, and inform you of your acceptance.

  • 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

Monthly Payment
Property Tax: 167
Homeowners Insurance: 100
HOA Fee: 0
Mortgage Insurance: 167
Loan Amount
$
$
Interest Rate
%
Term Years
Advanced Options
Apply Now

This calculation represents an estimate

Meet the Team

Meet SCCU’s team of Mortgage Originators! With originators working across the Northland — from Hermantown 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!

Julie Lupa, NMLS 454598

VP of Mortgage Lending - Tower Avenue Office: (715) 398-8933

Margee Senn, NMLS 816399

Mortgage Originator - Tower Avenue Branch Office: (715) 398-8921

Erik Lull, NMLS 2133817

Mortgage Originator - Hermantown Branch Office: (218) 727-1522

Katie Bedard, NMLS 1722244

Mortgage Originator - East End Branch Office: (715) 398-8934

Heather Harrison, NMLS 2024940

Mortgage Originator - Ashland Branch Office: 715-685-2725 ext. 3907

Renee Burton, NMLS 482996

Mortgage Originator - Gilman Branch Office: (715) 447-8225

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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Example Table 1

Rates Effective as of: January 23, 2022

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