Home Loans

We believe affordable housing should be a right, not a privilege.

Welcome Home to a Great Loan.

Whether you’re a first-time homebuyer or looking to save money by refinancing your home loan, our experienced mortgage lenders will make the home loan process as simple and stress-free as possible.

Why Borrow With SCCCU?

Get competitive rates for your home purchase or refinance, and you can apply with an ITIN.
We offer a variety of specialized mortgage products to fit your unique needs, plus low down payment options and resources for members with limited funds or less-than-perfect credit.
Count on local decision-making and customized personal service at every step by lenders who genuinely care about you.

Dream Loans for Your Dream Home.

Purchase a new home or refinance with a better rate or term.

Features

Competitive, fixed-rate options
No prepayment penalty
Get pre-approved quickly and easily
First-time homebuyers encouraged to apply

Terms & Requirements

All residents of Santa Cruz County and northern Monterey County may apply for a home loan
Can apply with an SSN or ITIN
Maximum loan amount of $1.5 million

Apply Now

Get affordable financing with a low-rate mobile home loan.

Features

Competitive rates with terms up to 20 years
Loans available up to $500,000
Quick pre-approval available for better buying power
No prepayment penalty
Mobile home refinance available
First-time home buyers encouraged to apply

Terms & Requirements

All residents of Santa Cruz County and northern Monterey County may apply for a home loan
Mobile home must be located in an SCCCU approved mobile home park.
Can apply using an SSN or ITIN
Loan up to 80% of the appraised value of the mobile home and must be owner-occupied

Apply Now

Ready to upgrade from renter to homeowner? We’ll help you get moving.

Features

Competitive, low rates available
No prepayment penalty
Flexible terms available
Quick and easy pre-approval
First-time homebuyers encouraged to apply

Terms & Requirements

Loans available to low-income designated mobile homes and manufactured homes, and income-qualified condos, townhomes, and other sources of affordable housing
Pre-purchase counseling offered for free in English and Spanish

Apply Now

Buy or Refinance

Purchase a new home or refinance with a better rate or term.

Features

Competitive, fixed-rate options
No prepayment penalty
Get pre-approved quickly and easily
First-time homebuyers encouraged to apply

Terms & Requirements

All residents of Santa Cruz County and northern Monterey County may apply for a home loan
Can apply with an SSN or ITIN
Maximum loan amount of $1.5 million

Apply Now

Mobile Home Loans

Get affordable financing with a low-rate mobile home loan.

Features

Competitive rates with terms up to 20 years
Loans available up to $500,000
Quick pre-approval available for better buying power
No prepayment penalty
Mobile home refinance available
First-time home buyers encouraged to apply

Terms & Requirements

All residents of Santa Cruz County and northern Monterey County may apply for a home loan
Mobile home must be located in an SCCCU approved mobile home park.
Can apply using an SSN or ITIN
Loan up to 80% of the appraised value of the mobile home and must be owner-occupied

Apply Now

Proyecto Hogar

Ready to upgrade from renter to homeowner? We’ll help you get moving.

Features

Competitive, low rates available
No prepayment penalty
Flexible terms available
Quick and easy pre-approval
First-time homebuyers encouraged to apply

Terms & Requirements

Loans available to low-income designated mobile homes and manufactured homes, and income-qualified condos, townhomes, and other sources of affordable housing
Pre-purchase counseling offered for free in English and Spanish

Apply Now