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Your Journey to Homeownership Starts Here!

Let’s unlock the door to your first home together.

At SCCCU, we make buying your first home simple, affordable, and stress-free. Whether you’re just starting to explore or ready to make a move, we’re here to help with expert advice, tools, and flexible mortgage options.

Know What You Can Afford

Before you start scrolling Zillow, figure out your budget:

• Check your monthly income and expenses.
• Subtract debts and see what’s left over.

PRO TIP: Aim for a home loan payment to be around 28% of your monthly income.

Quick Hack: Use our Mortgage Calculator to find your sweet spot.

Click here to get started

Pick the Right Home Loan

Your home’s monthly payments will likely be your most significant expense each month, so be sure to find the best possible option:

  • Fixed-Rate Mortgage: Predictable payments with a locked-in rate.
  • Adjustable-Rate Mortgage (ARM): Starts lower and adjusts with the market.

We’ve got options that work for you. And if you have no credit or a low credit score, we can help.

Explore our home loans

Get Pre-Approved and Shop with Confidence.

Getting pre-approved shows sellers you’re serious.

It gives you a clear idea of what you can afford to confidently shop for your home.

Get Pre-Approved

Review this Home Buying Toolkit for more detailed information about buying a home.

Take the first step toward homeownership with the Fannie Mae HomeView® course.

Required by specific home loan programs, this free and easy-to-use course provides the knowledge to navigate the homebuying process confidently. Create a quick login, complete the course, and get one step closer to your dream home.

IMPORTANT: You must pass the course quiz with a score of 80% or higher to receive your certificate of completion. If you are struggling with this quiz, please contact us at 831-425-7708 or email us here.

Take the first step to homeownership by getting pre-approved today.

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