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Real Estate Loans

Make Your Real Estate Dreams a Reality

First Mortgage and Refinancing

Home Financing Made Easy

Whether you’re buying a home or refinancing your current home, you can trust SPCU with your mortgage financing.

For both home purchases and refinances, we’re proud to offer great rates and experienced personalized service for our members.

Rest assured that SPCU will never sell your mortgage to another financial institution. Members can rely on SPCU personalized mortgage servicing for the life of the loan.

  • Fixed rate mortgages
  • 80% financing for purchases or refinances of 10 and 15 year mortgages
  • 75% financing for purchases or refinances of 20 and 30 year mortgages
  • Interest paid may be tax deductible (please consult your tax advisor)

Current Rates

Use this free mortgage calculator to determine your monthly mortgage payment:

 Mortgage Loan Calculator

Interested in refinancing to a lower rate or lower monthly payment? Use this refinance calculator to calculate to see how much interest you can save by refinancing your mortgage.

 Should I Refinance Calculator

To Apply, Visit a Branch or Call Us Today At 800-310-7728 

Home Equity

Let Your Home’s Equity Work for You

A home equity loan or a second mortgage taps into your home’s equity and uses your home as collateral which allows you to borrow a significant amount to pay for life’s big events, like college tuition, a wedding or home improvements.

With second mortgages you receive one lump sum and often have lower interest rates and a fixed payment and term.

  • Up to 80% financing
  • Term:  5- 15 years
  • Interest paid may be tax deductible (please consult your tax advisor)

Current Rates

Apply Now Online or Visit Any SPCU Branch.  


Have Funds Available for All Your Big Life events

Whether you're renovating your home or paying for your kid's college education, leveraging your home's equity is a smart way to borrow. The SPCU's Home Equity Line of Credit offers flexible borrowing at low rates. And our personal service is unmatched.

Competitive Rates: 3.99% for the first year, prime -.25 thereafter

  • Minimum line of $5000/maximum of $100,000
  • Like a credit card, borrow only what you need, when you need it
  • Write checks for any amount from $500 up to your available credit
  • Interest paid may be tax deductible (please consult your tax advisor)
VARIABLE* Up to 80% LTV 10 Yr. Draw / 10 Yr. Repay 3.99% APR Yr 1, then Prime -.25
FIXED** Up to 80% LTV 7 Yr. Draw / 7 Yr. Repay 6.50% APR

Apply Now Online or Call Us Today At 800-310-7728 

* Get Promotional APR for first year and prime minus .25% thereafter

**Applicants pay closing costs on mortgage. Application fees/closing costs are a fixed amount of $326.