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Some documents on our website may not be compliant with the Americans with Disabilities Act (ADA) Standards for Accessible Design. If you are having trouble viewing a document on our website, please contact SCCCU for assistance at 831-425-7708. Thank you.

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Your Path to Homeownership Starts Here

With Our NEW Proyecto Hogar Loan Program

Low rates. Terms up to 20 years. Low or no credit score, okay.

We understand that buying a home is one of the most significant and rewarding investments you’ll ever make. That’s why we’re committed to guiding you every step of the way, ensuring your path to homeownership is smooth and stress-free.

Our NEW Proyecto Hogar Loan Program offers:

Low, competitive rates with terms of up to 20 years to keep your monthly payments low*
Lending options for low income households as established by the Housing Authority of Santa Cruz County.**
Financing is available on owner-occupied mobile and manufactured homes.***
No credit, low credit, and multiple borrowers allowed.***
Other forms of income verification aside from a W-2.
Loan amounts up to $500,000 available.

Plus, you’ll have access to free consumer counseling services to help you every step of the way. And we accept downpayment assistance programs to help get you into a new home.

Get Pre-Approved

Get pre-approved today!

ITIN borrowers are always welcome.

Call 831-425-7708

Visit an SCCCU branch

Apply
Online

Hablamos su idioma

Rates as low as 3% below SCCCU’s existing home loan rates are available. Certain restrictions apply. The principal and interest payment is amortized over 30 years, with a balloon payment due in 15 years. The maximum income allowed for this loan is posted by the Housing Authority for Santa County. Multiple borrowers may be on the loan but must occupy the property as their primary residence. Certain restrictions apply to eligible mobile home parks.