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Whatever your mortgage needs, Service Credit Union has you covered.

NMLS #491588

Buying a new home, either for the first time or for your tenth, can be an overwhelming process, but it doesn’t have to be. With options to fit your every homebuying need, you can be sure that you are equipped with all the right tools to get you through, and just the right team to get you there.

Have questions? Call us at 800.619.6575.

  • Fixed rate and adjustable rate first mortgages.
  • We also offer special programs for veterans and first-time home buyers.
  • $250 towards closing costs with an additional incentive of $500 provided for auto pay through a Service CU checking account with direct deposit.*
  • We have highly competitive rates and a quick approval process (26 days)
  • A qualified team of experts, located around the state, to help you to understand the offerings and get you what you need.

MORTGAGE/HOME EQUITY RATES

Rates effective as of: 7/7/2020 11:07:36 AM (ET).

PRODUCT RATE POINTS ANNUAL PERCENTAGE RATE
30 Year Fixed Rate Mortgage 3.250% 0 3.481%
15 Year Fixed Rate Mortgage 2.625% 0 3.037%
30 Year Fixed VA 3.250% 0 3.481%
7/1 Year Adjustable Rate Mortgage 2.750% 0.875 3.114%
30 Year Fixed Mortgage Construction Single Close 3.250% 0 3.449%
Home Equity Line of Credit 3.250% 0 3.250%
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.
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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.

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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 2019 jumbo threshold is $484,350 in most locations, and we can help you find the right loan for you needs.

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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.

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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.

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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.

Meet Our Team of Mortgage Specialists

Jennifer Brooks

Jennifer Brooks
Real Estate Loan Specialist
800.619.6575 ext. 7554
NMLS# 644376

Hinsdale Walmart Branch
Keene Branch
Loans in Vermont

Apply Now with Jennifer Brooks

Carol Callihan

Carol Callihan, CMP
Real Estate Loan Specialist
800.619.6575 ext. 2048
NMLS# 644374

Amherst Branch
Hudson Walmart Branch
Nashua Branch

Apply Now with Carol Callihan

Rob Derrickson

Robert Derrickson
Manager Real Estate Loan Originations
800.619.6575 ext. 8339
Cell phone: 603.812.1542
NMLS# 170208

All Branches and National Loans
Apply Now with Robert Derrickson

Krysten Fowler

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

Epping Walmart Branch
Exeter Branch
Portsmouth Branch
Tyco Branch

Apply Now with Krysten Fowler

Matt Gallant

Matt Gallant
Real Estate Loan Specialist
800.619.6575 ext. 2262
Cell phone: 603.957.8393
NMLS# 1132974

Bedford Branch
Manchester Walmart Branch

Apply Now with Matt Gallant

Larry George

Lawrence “Larry” George, CMP
Real Estate Loan Specialist
800.619.6575 ext. 7588
Cell phone: 603.957.8393
NMLS# 162531

Derry Walmart Branch
Salem Branch
Salem Walmart Branch

Apply Now with Larry George

Jennifer Getzie

Jennifer Getzie
Real Estate Loan Specialist
800.619.6575 ext. 7679
Cell phone: 603.957.8181
NMLS# 1529265

Hampton Branch
Newington Branch
Portsmouth Branch
Seabrook Branch
Falmouth Branch
All towns & cities in Massachusetts
Grand Forks Branch
All National Loans

Apply Now with Jennifer Getzie

Chris Gilman

Christopher W. Gilman
Real Estate Loan Specialist
800.619.6575 ext. 7643
Cell phone: 603.252.1011
NMLS# 644375

DHMC Branch
Lebanon Branch
Loans in Vermont

Apply Now with Christopher 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

Michael Schulenberg
Real Estate Loan Specialist – National
800.619.6575 ext. 6587
NMLS# 313608

Grand Forks Branch
All National Loans
Portsmouth Branch
Portsmouth Walmart Branch

Apply Now Michael Schulenberg

Christine Wellington

Christine Wellington
Real Estate Loan Specialist
800.619.6575 ext. 6959
NMLS# 1444729

Pease Air National Guard Base Branch
Pease Branch
Rochester Branch
Somersworth Branch
Somersworth Walmart Branch

Apply Now with Christine Wellington

Michael Mulhern

Michael Mulhern
Asst. Vice President – Real Estate Lending
800.619.6575 ext. 8332
NMLS# 276051
Apply Now with Michael Mulhern

*Offer may be discontinued at any time. To qualify for a $250 credit towards closing costs (except for recurring closing costs such as property taxes, and any type of insurance, etc.), applicant must open or have primary share account with balance of at least $5 in good standing with Service Credit Union (SCU) at the time of loan closing. To qualify for the additional $500 credit towards closing costs, applicant must establish, or have, at the time of loan closing direct deposit to their SCU checking account and an ACH automatic payment from their SCU checking account to pay the monthly mortgage payments. Any portion not used towards closing costs will be waived. Credit will be applied at closing and cannot be transferred or exchanged for cash equivalent.