Home Loans
Get the home of your dreams with a low rate mortgage that won't drain your bank account.
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.
More home loan options:
Take advantage of falling rates and keep your payments low with an adjustable rate mortgage.
If your dream home doesn't exist, build it! Get a home loan to start construction on your next property.
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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 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!
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 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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