Mortgage

Getting a mortgage can be complicated. That’s why at Scott Credit Union we’re focused on helping you through the process. We work to take the stress out of buying a home or refinancing your existing loan. Through the help of our Home Loan Advisors, we will simplify the home loan process so you can focus on what really matters. Find the Home Loan Advisor for your area using our zip code search tool.

First Time Homebuyer Seminar

Attend our First Time Homebuyers Seminar and we’ll waive your origination fee!

First-Time-Homebuyers-Side-ImageWe would like to invite you to attend one of our upcoming first time home buying seminars. When you attend one of the seminars, we’ll waive your origination fee up to $5951 when you apply for a home loan at Scott Credit Union by August 30, 2017!2
If you are a first time homebuyer you might be asking, “What is an origination fee?” Don’t worry! That is one of the many topics we’ll cover in the seminars, which are designed to help you through buying your first home. Some of the other questions we’ll answer are:

  • 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?

If you have been dreaming about buying your first home, this is the perfect chance for you to get answers! Plus, you’ll receive the certificate to have your origination fee waived when you apply by August 30, 2017!
Our upcoming class is scheduled for:

  • June 10th from 9:30 a.m. to 11:30 a.m. at our Home Office at 101 Credit Union Way in Edwardsville

To RSVP, please use the form below.


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

Home Loans Simplified.

1Discount will appear as a Lender Credit on the loan estimate and closing disclosure.

2Excludes construction loans.

Mortgage Information

Features at a glance

  • Programs with little or no down payments
  • Fixed rate programs
  • Adjustable rate programs
  • FHA Loans
  • VA Loans
  • Responsive team committed to a fast turnaround
  • Extensive mortgage lending experience
  • Serving the financial needs of our members for over 70 years


Scott Credit Union has a full service mortgage department and offers a wide range of products. The credit union strives to match our members’ needs with a loan product that suits their financial goals.

We pride ourselves on offering loan products featuring competitive rates and flexible terms. We are always working to develop new products and services to meet the ever-changing needs of our members.

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.

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.

To find the Home Loan Advisor for your area please enter your zip code:

 

Rates

Calculators

Click here for a current list of Mortgage Loan Originators that are registered with NMLS.

Mortgage Options

Types of loans we offer include

FHA Loans

These loans offer some additional flexibility over traditional mortgages. If you’re looking to purchase a single-family or multi-family home that you intend to reside in, then an FHA Loan might be the right option for you. One of our Home Loan Advisors can assist you if you have questions about the details of an FHA Loan.

VA Loans

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 Loans

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 up to 30 years depending on your needs.

Construction Loans

We’re proud to now offer construction loans at competitive low rates. These loans allow you to get your home construction process off the ground.