Apply for a Scott Credit Union Mortgage
Competitive rates from a local credit union you trust
When you finance your home through Scott Credit Union, you get more than just great rates and terms. You also get a mortgage lending team to help guide you through the application and closing process.
Scott Credit Union Mortgage Services
We work to take the financial stress out of buying a home, building a home, or refinancing your existing home loan, and we’re with you every step of the way. Our Mortgage Loan Originators help simplify the home loan process so you can focus on what really matters.
Get Pre-Approved Today! The Scott Credit Union pre-approval process gives you quick access to all our mortgage services and member benefits:
- Mortgage Team with Decades of Mortgage Lending Experience
- In-House Servicing*
- Efficient processing from application to closing
- Programs with up to 100% Financing**
- Fixed Rate and Adjustable-Rate Programs
*FHA and VA loans are not serviced in-house.
**Up to 100% financing available for qualified borrowers. Credit and program eligibility requirements apply.
NEW: Community Heroes Mortgage Program
Affordable Home Loans for Teachers, First Responders, Healthcare Workers, & Military
Helping community heroes achieve homeownership with flexible, low down payment mortgage options.
At Scott Credit Union, we’re proud to support the local heroes who serve and live in Metro St. Louis, Metro Chicago, and throughout Illinois. This program is designed to make buying a home more accessible with reduced upfront costs and flexible financing.
Program Benefits:
- Up to 99% financing for qualified buyers, terms & conditions apply
- No minimum borrower contribution required for qualified borrowers; other funding sources may be required
- Flexible down payment options
Who Qualifies*:
- Educators (teachers and school staff)
- Healthcare workers (nurses, EMTs, paramedics, medical professionals)
- First responders (police, firefighters, public safety)
- Military (active duty, veterans, retired)
*Proof of employment in healthcare, education, law enforcement, fire and rescue, U.S. military, or veteran status is required to be eligible for the Community Heroes Mortgage Program.
Scott Credit Union Membership Required, Eligibility Applies. All loans subject to credit approval. Terms and conditions apply.
Community Hero Frequently Asked Questions
You might have some questions, and we’re here to assist you! See common questions below:
This program is dedicated to the professionals who serve our communities, including educators, healthcare workers, first responders (police and fire), and active-duty or veteran military members.
The Community Heroes Mortgage offers specialized perks, such as no minimum borrower contribution and competitive interest rates, to help local heroes save more on their home purchase.
Yes! We proudly support a wide range of roles, including nurses, doctors, school teachers, administrators, and military.
Absolutely. We specialize in helping new buyers find the best path forward. The Community Heroes Mortgage Program offers the savings and professional support needed to make your first home purchase a success.
We’re proud to announce a 100% financing option at Scott Credit Union. We can now make it easy for you to purchase a home of your own with no down payment. Select and contact your personal Mortgage Loan Originator to learn more today. We’re here to answer your questions, each step of the way.
Please find our current list of NMLS Registered Representatives below. Scott Credit Union’s NMLS is 415767.
Consumer Access Website: www.nmlsconsumeraccess.org
| NMLS Representative | NMLS Number |
|---|---|
| Adrian De Leon-Reyes | 2780387 |
| Aisha Wallace | 2588578 |
| Alana Weber | 2574398 |
| Ally Osborn | 2716155 |
| Amanda Bievenue | 499392 |
| Amanda Meyer | 2357380 |
| Amanda Thilges | 2367169 |
| Amber DeHart | 2771640 |
| Amy Hofstetter | 1830995 |
| Amy Moss | 688639 |
| Andrea Thompson | 1484316 |
| Angela Varnum | 1381938 |
| Angie Tucker | 1825487 |
| April Aguilar | 460896 |
| Ashley Rensing | 2390053 |
| Austin Lickenbrock | 2661520 |
| Brendan Karvelat | 1680266 |
| Breonna Crumer | 2422041 |
| Brett Ruckman | 2573124 |
| Chastity Kent | 2787436 |
| Cheryl Barham | 2149571 |
| Christina Schneider | 2170880 |
| Christy Prott | 576037 |
| Crystal Brown | 1948145 |
| Damian Farwell | 2429412 |
| Dana Beers | 2342611 |
| Daniel Dunn | 2712696 |
| Dannielle Howard | 1818820 |
| Darren Travous | 2683668 |
| David Bressler | 1264586 |
| Deanne Shanklin | 663535 |
| DeShon Caldwell | 2168286 |
| Devon Wren | 2343483 |
| Donna Harris | 915267 |
| Elizabeth Luevano | 2742911 |
| Gabrielle Davis | 2779066 |
| Grant Perkins | 1861492 |
| Greg Bridgman | 675488 |
| Gulbahar Breakfield | 1881431 |
| Irene Wright | 790667 |
| Hannah Branson | 2691130 |
| Heather Withers | 2421255 |
| James Cochran | 814531 |
| Jami Dunk | 1818849 |
| Jakob Bolton | 2441736 |
| Jamie Bellmon | 2481856 |
| Jarred Doolittle | 611184 |
| Jasmin Watson | 2722337 |
| Jay Vasquez | 1296039 |
| Jeffrey Stunkel | 1162771 |
| Jeremiah Yeakey | 909141 |
| Jo Ann McIntyre | 1135783 |
| Joshua Homeyer | 1945409 |
| Jordan Lacquement | 2439532 |
| Jourdan Teverbaugh | 2502598 |
| Kanesha Jenkins | 2172072 |
| Karen Johnson | 460909 |
| Ken Messmer | 1394069 |
| Kimberly McCario | 1118962 |
| Kristian Moore | 2701408 |
| Kristina Nix | 1857629 |
| Krystal Bonjour | 2740569 |
| Kyle Williams | 173107 |
| Laurie Viviano | 330723 |
| Lucas Seely | 1945126 |
| Madalyn Feltman | 2506781 |
| Marchie Nehr | 1495605 |
| Markita Jackson | 2701409 |
| Marshall Moore | 2399163 |
| Mckynzie Minar | 2421840 |
| Merima Alihodzic | 2342635 |
| Nicole Crabtree | 2718934 |
| Nikolette Vilmer | 1448597 |
| Pat Lyon | 2828412 |
| Randy Hamilton | 890077 |
| Robert Signaigo | 2588314 |
| Sara Rosen | 2502050 |
| Sarah Kerwin | 1979847 |
| Stacey Thurnau | 2629183 |
| Stephanie Ankrom | 2729593 |
| Tabitha Bode | 1892972 |
| Theresa Williams | 2577607 |
| Teresa Harmon | 2068758 |
| Timothy Hecht | 739952 |
| Tina Sabin | 2084018 |
| Tony Bakalar | 228088 |
| Travis Honold | 2688831 |
| Travis Thier | 2665494 |
| Tricia Newton | 502425 |
| Trish de Montigny | 2719338 |
| Veronica Winkeler | 2173771 |
| William H. King, Jr. | 1053057 |
| Wykkina Muldrow | 2052651 |
| Zach Anderson | 2717793 |
Scott Credit Union has a full service mortgage department and offers a wide range of products. Choose your mortgage loan below, then use the Scott Credit Union loan calculator to determine your ideal monthly payment.
Welcome Home 100
Community Heroes Loan
                  *97% LTV can use any fixed-rate terms (10-, 15-, 20-, 30-year)
                  **Restrictions apply.
                  ***Borrowers with a qualifying income of less than or equal to 50% of the applicable area median income (AMI) of the subject property’s location are eligible.
Looking for a HELOC (Home Equity Line of Credit)?
Homebuyer Seminars
Supporting homebuyers across Metro St. Louis, Metro Chicago, and Illinois. If you’re dreaming of your first or next home, our seminars are here to guide you through the journey from pre-approval to closing.
Join us to learn about:
- What an origination fee is and how it works
- How to determine how much home you can afford
- Understanding credit scores and their impact
- What documents you need to apply for a mortgage
- Down payment requirements
- Different types of mortgage loans
- Other costs to consider when buying a home
Plus: Attend a seminar and receive a $500 Lender Credit toward closing costs when you apply for a home loan with Scott Credit Union by December 31, 2026.*
Check out upcoming seminar dates below and sign up today to take the first step toward owning your dream home!
Upcoming Seminars
Saturday, May 9, 2026
9:00 AM-11:00 AM CT
RE/MAX Alliance
1099 Beltline Rd, Suite M
Collinsville, IL 62234
There are no upcoming seminars at this time. Please check back later!
*Discount will appear as a Lender Credit on the closing disclosure.
**Excludes construction loans and lot loans.
Scott Credit Union NMLS #415767.
Consumer Access Website: www.nmlsconsumeraccess.org
*Discount will appear as a Lender Credit on the closing disclosure.
**Excludes construction loans and lot loans.
Scott Credit Union NMLS #415767.
Consumer Access Website: www.nmlsconsumeraccess.org
Connect with the Pros
Our Partners
Scott Credit Union has made substantial investments in personnel, technology, and training in order to provide our members, realtors, and developers the best and most efficient service possible.
Our experienced mortgage team originates, processes, and closes loans in a timely and professional manner. In addition to providing members with the best possible service and product, we also understand the needs of local realtors and developers.
We work to maintain professional relationships that are mutually rewarding.
Please Note: When you click any of the links below, you are leaving our website to visit a site operated by a third party. Please be aware that Scott Credit Union does not provide and is not responsible for the content, security, privacy policies, downloads, or any product or service on any external third-party site.
Mortgage Frequently Asked Questions
You might have some questions, and we’re here to assist you! See common questions below:
Scott Credit Union provides home loan and refinance solutions to residents throughout Metro St. Louis, Metro Chicago, and Illinois. You can apply online or visit any of our local branches.
You can start your pre-approval online through our secure portal or schedule a consultation with one of our Mortgage Loan Originators to discuss your goals.
Typically, you will need proof of income (pay stubs and W-2s), bank statements, and tax returns. Our team provides a full checklist to simplify the process for you.
Yes, we offer a variety of refinancing options to help you lower your monthly payment, change your loan term, or tap into your home’s equity.
Don’t see your question? Contact us, we’re happy to help!