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Special Mortgage Programs

Is your dream home manufactured or historic? SECU offers Adjustable Rate and Fixed Rate Mortgage options to make your dream a reality.

Financing for specialized homes 

Put your home goals into focus with special programs tailored to funding manufactured and historic preservation homes, as well as assistance from community partners.

Manufactured home loans 

Finance single- and double-wide manufactured homes with a Fixed Rate or 5-Year Adjustable Rate Mortgage.1

Historic preservation homes

SECU offers loan options to finance homes that fall under the jurisdiction of Preservation North Carolina or a local historic preservation board.

Federal Home Loan Bank of Atlanta (FHLBA) Community Partners Product

Our members in the public sector work hard to make their community a better place every day. The FHLBA Community Partners Product aims to help these members afford their next home.2

This grant program provides up to $15,000 in home purchase assistance to current or retired law enforcement officers, educators, healthcare workers, firefighters and other first responders, and veterans or active-duty members of the U.S. military or their surviving spouse.

To be eligible for the grant funds:
  • The member must contribute a minimum of $1,000 toward the down payment and closing costs.

  • Your total household income must be either:

    • Less than or equal to 80% of the county area median income. 
    • Less than or equal to 80% of the state median family income for the area where the home is being purchased.
  • Additional requirements apply.

Get pre-qualified for a mortgage

SECU offers no-cost, no-obligation pre-qualifications to members 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, assets, and residential and employment history. Once the application for pre-qualification is completed, a pre-qualification letter is typically generated within one business day.

Getting pre-qualified can help you:
  • Understand the home loan amount you can afford.

  • Shop with confidence knowing what price range you can afford.

  • Demonstrate your creditworthiness in your offer.

  • Reduce timelines and potentially close on your dream home faster.

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