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Home Loans

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

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Welcome Home to a Great Loan.

Whether you’re a first-time homebuyer or looking to save money by refinancing, 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.
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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

Rates & Terms (Coming Soon)

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

Rates & Terms (Coming Soon)

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

Rates & Terms (Coming Soon)

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

Rates & Terms (Coming Soon)

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

Rates & Terms (Coming Soon)

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

Rates & Terms (Coming Soon)

Calculate Your Payment.

Quickly find out how much house you can afford or if it makes sense to refinance.

Get Started
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Get the Homebuying Knowledge You Need.

Take the stress out of buying a home with real-life coaching from a trained professional.

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Take the stress out of buying a home with real-life coaching from a trained professional.

Do you need to downsize? Take this quick quiz.

Take the Quiz about

Do you need to downsize? Take this quick quiz.

Buy or rent? Which option is right for you?

Learn More about

Buy or rent? Which option is right for you?

Eight first-time homebuying mistakes to avoid.

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Eight first-time homebuying mistakes to avoid.

Is it the right time to refinance?

Learn More about

Is it the right time to refinance?

We’re Making Great Homes Happen.

Our experienced home loan consultants are here to answer your questions and make the process as simple as possible.

More for Your Life.

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24/7 Account Access

Manage your money on your time online or using any mobile device.

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Checking Accounts

Get anytime, secure access to your money wherever life takes you.

Learn More Checking Accounts
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Financial Knowledge Center

Financial questions? We’re here for you, with resources in both English and Spanish.

Learn More Financial Knowledge Center