Apply for a Scott Credit Union Mortgage

Rates you deserve 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.

SCU Mortgage Services
We work to take the stress out of buying a home or refinancing your existing 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.
mortgage loan - SCU Mortgage Services

The Scott Credit Union pre-approval process gives you quick access to all of our mortgage services and member benefits:

In-house underwriting and in-house servicing*

Fast turnaround and closing

Programs with up to 100%** financing

Fixed rate programs

Extensive mortgage lending experience

Serving the financial needs of our members for over 80 years

See the latest Scott Credit Union mortgage rates to learn why an SCU loan is competitive in the local mortgage lending market and get approved today.

*FHA and VA loans are not serviced in-house.
**100% financing for the lesser of purchase price or appraised value. Credit qualifications are required for each program.

Do you have a question about your existing SCU mortgage loan?

Connect with your personal Mortgage Loan Originator today!

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.

SCU Harris Donna
Donna Harris
Mortgage Loan Originator
Cell Phone: (314) 761-8896
NMLS #915267
_SCU Tricia Newton
Tricia Newton
Mortgage Loan Originator
Cell Phone: (618) 567-0288
NMLS #502425
Untitled design (9)
Mary VandeVelde
Mortgage Loan Originator
Cell Phone: (773) 304-8994
NMLS #639469
Untitled design (14)
Laurie Viviano
Mortgage Loan Originator
Cell Phone: (314)568-2420
NMLS #330723
SCU Tony Bakalar MLO
Tony Bakalar
Mortgage Loan Originator
Cell Phone: (314) 503-7531
NMLS #228088
SCU Tim Hecht
Tim Hecht
Mortgage Sales Manager
Cell Phone: (618) 615-3273
NMLS #739952
Victoria (Vickie) Vernon
Victoria Vernon
Mortgage Loan Originator
Cell Phone: (314) 520-2295
NMLS #1078306
Scott Credit Union Mortgage Loans

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.

100% Financing

It is not uncommon for our members to say they want to purchase a home, but they may not have the required down payment, or they fear draining their savings knowing they may have those unexpected expenses. We heard your concerns and are proud to offer a 100% mortgage financing option for qualified buyers. This program gives buyers the ability to purchase a home with zero down payment.

VA Loan

We take pride in our military history and are proud to offer VA Loans to help our military members become homeowners. When you take out a VA Loan, a portion is guaranteed by the VA. This allows a veteran to have little or no down-payment as well as receive lower interest rates than other types of home loans.

Fixed Rate Loan

Whether you are interested in a first mortgage or a second mortgage, fixed rate loans offer the comfort and security that your rate will never change. We offer the flexibility of terms from as little as 5 years to 10 years depending on your needs.

Jumbo Loan

Jumbo loans can help turn big dreams into a dream home. Eligible properties include primary and secondary single family homes, and warrantable condominiums.

Single Close Construction Loan

If you are looking to build, our single close construction loan is a great option with interest only payments during construction. This can be used for a primary or secondary residence, and has a long term rate lock offered for up to 9 months.

FHA Loan

Government insured Federal Housing Administration (FHA) loans allow our members to purchase a home with a low down payment and limited credit history. FHA loans can be used to purchase or refinance owner occupied 1-4 unit homes and condominiums.

Lot Loan

Purchase a lot for the new home you’ll build within 3 years. Lot loans through SCU require a 25% down payment and carry a 3-year loan term and payments amortized over 15 years.
Home Equity Loan
A home equity loan allows you to get cash out based on the equity you’ve paid into your home. With this fixed rate second mortgage, you can access the equity without refinancing your existing first mortgage.

The Scott Credit Union home equity loan program offers a low variable APR.

mortgage page Home Equity Loan image

Looking for a HELOC (Home Equity Line of Credit)?

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.

hbr-mea logo
HBA-STL logo
Southern Illinois Realtors logo
st louis association of realtors logo
Chicago Area Realtors
430 North Michigan Ave. Suite 800 Chicago, IL 60611
HBA of Greater Southwest Illinois
6100 W. Main St., Maryville, IL 62062
HBA of St. Louis and Eastern Missouri
10104 Old Olive Street Road, St. Louis, MO 63141
Mainstreet Realtors Association
6655 Main St, Downers Grove, IL 60516
Southwestern Illinois Board of Realtors
1124 Hartman Lane, Shiloh, IL 62221
St. Louis Association of Realtors
12777 Olive Boulevard, St. Louis, MO 63141

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.

Homebuyer Seminars

Attend our Homebuyer Seminar and we will waive your origination fee up to $695*!

mortgage page Homebuyer Seminars image

If you have been dreaming about buying a home, sign up for one of our Homebuyer Seminars!

These seminars will cover a variety of topics and answer questions like:

    • What is an origination fee?
    • How much home can I afford?
    • What is a credit score?
    • What do I need to have to apply?
    • How much of a down payment do I need?
    • What are the different mortgage loan types?
  • Are there other expenses to buying a home?

PLUS, you’ll receive a certificate to have your origination fee waived up to $695* when you apply for a home loan at Scott Credit Union!**

Upcoming Seminars:

Saturday, March 9, 2024

10:00 AM-12:00 PM CT
Keller Williams
1717 Hidden Creek Ct.
St. Louis, MO 63131

Saturday, April 27, 2024

9:00 AM-11:00 AM CT
Troy Township Center
410 Wickliffe Street
Troy, IL 62294

Saturday, March 23, 2024

9:00 AM-11:00 AM CT
RE/MAX Alliance
1099 Beltline Rd. Suite M
Collinsville, IL 62234

Buying a home can be stressful. That’s why at Scott Credit Union our Mortgage Loan Originators are there to help you every step of the way. We take the stress out of buying your home.
*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:

Schedule an Appointment
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Enter the ZIP code of the property in the box above.
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The credit union loan solutions

Contact the SCU Mortgage Lending Team to discuss your needs and get one-on-one help finding the credit union loan solution that is right for you. Scott Credit Union is with you, and your family, to help you continue to make smart borrowing choices and build a healthy financial future.

Scott Credit Union NMLS #415767