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Offerings for your needs
SECU provides several loan options to fit your unique goals.
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Leverage local experts
Connect with our local mortgage team for any questions.
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Free pre-qualification
Shop for your home knowing how much you can afford in a mortgage.
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Straightforward process
Apply online, by phone, or at your local branch.
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Apply
Apply in person at a local branch, online in Member Access (via the Mortgage Center), through the SECU Mobile App, or by phone at (877) 589-1547.
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Gather documentation
Our mortgage specialists will gather all required documentation, including income information, a credit check, and an appraisal order.
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Process underwriting
We complete the mortgage underwriting.
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Closing
Once approved, closing for refinancing and HELOCs typically take place at a local branch. A licensed attorney handles real estate purchase closings.
Let's get started
Frequently asked questions about mortgages
SECU offers the following mortgage products:
SECU members can get pre-qualified online, over the phone, or by visiting their local branch. To receive a pre-qualification letter, SECU members must consent to a credit check and provide details on income, debt, and assets, as well as residential and employment history. Once the application for pre-qualification is completed, a pre-qualification letter is typically generated within one business day.
Yes, these materials will be considered part of the loan application process.
Most credit scoring models are built so you can shop for a mortgage within a certain period — generally between 14 days and 45 days — with little or no impact on your score.
Various factors, including the amount of the down payment or equity, term of the loan, and market conditions determine individual mortgage interest rates.
Closing costs are fees you pay when finalizing a home-buying or home-refinancing transaction. SECU may assess an origination fee, which is capped at $2,500 and based on your mortgage loan type and amount. Origination fees do not apply to HELOCs. You must also pay SECU for an appraisal that is completed by a third party. The remainder of the charges, such as title insurance, attorney fees, homeowners insurance, and property taxes, are paid to third parties. The loan estimate (not applicable for HELOCs), provided within three days of receiving a completed application, estimates what closing costs you can expect.
