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Banca en línea - Usuario

Centro de Compra de Vivienda

¡Desmitifique el misterio del proceso de compra de vivienda!

Lo entendemos, la compra de una vivienda es probablemente uno de los mayores compromisos financieros de su vida y desde luego, ¡puede resultar estresante! Cuando se trata de comprar y financiar una casa, las opciones parecen no tener límites. Para usted, saber es poder. En SCCU nos tomamos nuestro rol de protectores Watchdog en serio. Es por ello que nuestros socios expertos en préstamos hipotecarios están siempre dispuestos a ayudarlos y guiarlos en el proceso, para asegurarse de que encuentre la financiación adecuada para usted. ¡Eche un vistazo a las herramientas y consejos en nuestro Centro de Préstamos Hipotecarios para ayudarle en el camino!
 

Compre con confianza

With a pre-approved home loan, you know your budget and buyers know you’re serious! Con un préstamo hipotecario pre-aprobado, sabrá cuál es su presupuesto de antemano y los compradores sabrán que va enserio

 

Helpful Articles

30-year Fixed-rate vs. 15-year Fixed-rate (+ How to Decide Between the Two)
noviembre 4, 2021 by Space Coast Credit Union
Today in the ring: 30-year fixed-rate mortgage vs. 15-year fixed-rate mortgage. In this article, we’re going to cover the pros and cons of each mortgage term to help you make a more informed decision. And along the way, we’ll provide some helpful tips to keep in mind.
HELOC Loan vs. Cash-Out Refinancing: Everything You Need to Know
octubre 12, 2021 by Space Coast Credit Union
Whether you’re looking to transform your home renovation dreams into reality, plant seeds for investments, or cover unforeseen expenses, you have a variety of options when it comes to how you can tap into your wellspring of home equity. But which option is best for you? In this article, we’ll explore the pros and cons of HELOC loans vs cash-out refinancing.
The Ultimate Guide to FHA Loans
agosto 27, 2021 by Space Coast Credit Union
Home loans are the key to turning a house you love into a home that belongs to you. As you’re exploring your options, you may stumble across FHA loans and wonder what they entail and if one’s right for you. FHA loans have many different benefits and are targeted at helping both new home buyers achieve the dream of home ownership and those looking to refinance. 
How Mortgage Refinancing Works (+The Best Time to Do It)
agosto 12, 2021 by Space Coast Credit Union
Refinancing your mortgage can help you save money with a lower interest rate and get you to the home ownership finish line faster than your current one. Or, it could be a good way for you to cash out on some of your home’s equity for other projects. To determine if it’s the right path for your goals, it’s best to understand how mortgage refinancing works more in depth.
5 Top Tips to Getting the Best HELOC Rates
julio 29, 2021 by Space Coast Credit Union
Whether you’re getting your feet wet or diving in the world of loans, a HELOC is often a prime choice for borrowers. And the crown molding on top? You can often get a lower interest rate with a HELOC than with other types of loans and credit cards! See our 5 top tips to getting the best HELOC rates...
How Does a Home Equity Line of Credit Work? A Guide to HELOC Loans
julio 9, 2021 by Space Coast Credit Union
Most people have heard of a Home Equity Line of Credit (HELOC), but you may not be as familiar with how they work. In today’s deep dive, we’re going to explore all the ins and outs of this fantastic loan vehicle for homeowners to get the cash they need to do repairs, renovations, and more—all based on the equity they already have in their home.
FHA Loans: What to Know Before You Apply
julio 7, 2021 by Space Coast Credit Union
It’s not always easy to save up for the large down payments that some types of mortgages require. The good news? There are other loan options that can help you reach your homeownership goals.
Are You Ready for Hurricane Season?
mayo 12, 2021 by Space Coast Credit Union
While many of us are still weathering the effects of the COVID-19 pandemic, we now have to be prepared for hurricane season as well.
How to Make Your Loan Payment
abril 1, 2021 by Space Coast Credit Union
SCCU’s loan payment process is designed to be as quick and convenient as possible, saving you two of the things you care about most – time and money.
Five Tips to Building Your Dream Home
abril 1, 2021 by Space Coast Credit Union
Here are 5 tips to building your dream home, from creating a prioritized list of wants and needs to choosing the best lender for your home construction loan.
A Beginner's Guide to Construction Loans
abril 1, 2021 by Space Coast Credit Union
This construction loan guide is to help you understand everything you need to know about how construction loans work and how these unique instruments can benefit you during construction.
Navigating the Home Loan Journey
febrero 10, 2021 by Space Coast Credit Union
Understanding today’s mortgage landscape will help you become a more informed decision maker and put you on the path to successfully reaching your goal — moving into your new home, or enjoying the spoils of your growing equity.
The Ultimate Guide to Mortgage Loans
enero 25, 2021 by Space Coast Credit Union
Learn the differences between fixed-rate, ARM and other mortgages in our guide to mortgage loans. Find out how to choose the lender that's right for you.
Which Type of Mortgage is Best for Me?
octubre 22, 2020 by Space Coast Credit Union
By the end of this guide, you will have a clearer understanding of the different types of mortgages and be able to narrow down which mortgage type may be best suited for you.
5 Tips for Buying a House During the Pandemic
junio 30, 2020 by Space Coast Credit Union
Although you should move forward carefully in the homebuying journey, you do not have to put your dream home on hold.
SCCU Member Hurricane Checklist
agosto 28, 2019 by Timothy M. Antonition
Overall we have been relatively lucky in the last several years; however, we always need to be prepared.
How to Tackle Your New Home Search
agosto 27, 2018 by Gary Prager
If you’re just starting your new home search, you’ll be quick to find it’s no longer a “buyer’s market.”
Mortgage Rates are Rising, is it Better to Buy or Wait?
abril 5, 2018 by Gary Prager
If you’ve been on the fence, now might be the time to act. 
Spring into Home Buying
febrero 7, 2018 by Space Coast Credit Union
Spring is a busy season in the housing market, with more homes available than any other time of year. 
Home Improvement Tips and Strategies
diciembre 8, 2017 by Space Coast Credit Union
Ready to remodel? Here are three important home improvement tips.
3 Important Mortgage Loan Questions to Ask
julio 14, 2017 by Space Coast Credit Union
If you’re buying your first home or haven’t applied for a mortgage in a while, ask your lender these questions.
Home Loan Process: Pre-Approval to Closing
junio 1, 2017 by Space Coast Credit Union
If you're new to home buying, it's natural to wonder how the mortgage loan process works.
How Much House Can I Afford?
mayo 18, 2017 by Space Coast Credit Union
It's a question we get asked frequently, and there are many factors that go into answering it...
Down Payments: How Much is Enough?
abril 20, 2017 by Space Coast Credit Union
Making a down payment is an investment and, as with any investment, it's important to weigh the pros and cons.
What is a Mortgage Pre-Approval?
abril 20, 2017 by Space Coast Credit Union
Is a mortgage pre-approval something you need before you can start house shopping?
How Interest Rates Affect Your Mortgage
mayo 13, 2016 by Space Coast Credit Union
The interest rate on your mortgage can affect your monthly payment by thousands of dollars each month.
The SCCU HomeAdvantage
marzo 1, 2015 by Gary Prager
Space Coast Credit Union aims to be the one-stop-shop for members purchasing a home.
Mortgages: APR = Annual Percentage Rate. Mortgage loans are originated by Space Coast Credit Union, and are subject to credit approval, verification and collateral evaluation. Programs, offers, rates, terms, and conditions are subject to change or cancellation without notice. Certain restrictions apply. These mortgage loan programs constitute first mortgage liens secured by the home and property. The down payment is determined by the Loan-to-Value ratio (Ex: 90% LTV = 10% down payment). Loans exceeding 80% of the appraised value of the home require private mortgage insurance (PMI). Member responsible for any funds needed for closing costs and pre-paid escrow. Consult an SCCU Express Services Associate for details.