Mortgages | Service Credit Union

Mortgages | Service Credit Union


From your first home to a jumbo loan, we have you covered

It’s probably the biggest purchase you’ll ever make, so you want to get home buying right. Service Credit Union can help you get a mortgage that’s suited for your unique needs. First-time homebuyer? We offer a program called Home Loan Payment Relief (HLPR) that features low down payments and below-market interest rates. Buying a fixer-upper? You can roll financing for the home and the renovation into one convenient loan. We’re also an approved lender for USDA and VA loans and can even get you into mortgages with no down payment.

Curious about homeownership? View this 6-minute lesson to determine your financial preparedness for homeownership.

Mortgage/Home Equity Rates

Rates effective as of: 8/19/2020 11:36:27 AM (ET).

Rates posted are indications only and are subject to change without notice.
Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. 
The quotes above are based on a specific loan amount for the purchase of a single family primary residence.  
Please click on the Product Name for a Payment Example.

First-Time Home Buyer

Buying your first home is a big step, but our loan experts have been there. They can help you determine how much house you can afford, and if you qualify for one of our zero-down loans with no private mortgage insurance. You might also be eligible for a Home Loan Payment Relief (HLPR) loan at below-market interest rates—including a $1,000 rebate on your closing costs—or a USDA rural development loan.

A graphical illustration of a hand holding a house with a dollar sign in it

Jumbo Mortgages

Jumbo mortgages are larger than the U.S. government will insure through Fannie Mae, so they typically carry higher interest rates. But we keep our jumbo rates competitive. The 2020 jumbo threshold is $510,400 in most locations, and we can help you find the right loan for you needs.

A graphical illustration of a hand holding a house with a star in it

VA Loans

Veterans Affairs Home Loans are government-backed mortgages to help active or retired military members buy or refinance a primary residence. Their big advantage is low or no down payments. Another advantage of a VA Loan compared to a conventional loan is that there is no monthly mortgage insurance.

A graphical illustration of a hand holding a house with tools in it

Real Estate Rehab Loans

Planning to buy a house that needs immediate renovation? This unique program gives you cash for both the purchase and the renovation in one simple fixed-rate mortgage.

A graphical illustration of a hand holding a house with a hammer in it

Home Construction Loans

We offer a single-close construction loan that allows you to purchase land and construct your home all with one loan. The construction loan offers an interest-only payment for a certain amount of time during the construction of the home.

Work with Your Own Personal Mortgage Specialist

Jennifer Brooks
Carol Callihan
Ryan Conroy

Ryan Conroy
Real Estate Lending Specialist
800.619.6575 ext. 2981
NMLS# 1921930

Grand Forks Branch
Newington Branch
Portsmouth Branch
Portsmouth Walmart Branch

All National Loans
Apply Now with Ryan Conroy

Rob Derrickson
Krysten Fowler

Krysten Fowler
Real Estate Loan Specialist
800.619.6575 ext. 2910
NMLS# 1703882

Epping Walmart Branch
Exeter Branch

Hampton Branch
Portsmouth Branch

Seabrook Branch
Tyco Branch

All National Loans
Apply Now with Krysten Fowler

Matt Gallant
Larry George
Jennifer Getzie
Chris Gilman
Kathleen Horgan

Kathleen S. Horgan
Real Estate Loan Specialist
800.619.6575 ext. 2025
Cell phone: 603.812.3809
NMLS# 644378

Berlin Branch
Concord Walmart Branch
Franklin Branch
Gorham Walmart Branch
Laconia Branch
Lancaster Branch
Plymouth Walmart Branch

Apply Now with Kathleen Horgan

Michael Schulenberg
Christine Wellington
Michael Mulhern

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