Cute dog siting in a cardboard box, surrounded by more cardboard

The Keys to Your Dream Home

Low rates. Personalized guidance. A mortgage designed around you.
Get Started

Homeownership, Simplified

It’s our mission to help you do more, afford more and achieve more of what you want in life.

Whether you're buying or refinancing, we make the process easy and affordable—with low rates, expert guidance and flexible options designed around you.

  • Competitive Rates – Get a great deal on your mortgage with rates designed to save you money.
  • Low or No Down Payment Options – Find flexible loan solutions, including VA and first-time homebuyer programs.
  • Fast, Simple Process – Apply online and experience a smooth, hassle-free approval.
  • Dedicated Loan Experts – Our mortgage professionals are here to guide you every step of the way, with hours that are convenient to you.

    Reach out to the team directly by phone at 800-619-6575, Monday - Wednesday from 8:30 a.m. to 5 p.m. and Thursday - Friday from 8:30 a.m. to 6 p.m.

    You can also email us anytime at newmortgage@servicecu.org.

Get Started

Your Mortgage Journey Starts Here

Every step brings you closer to home. Here's how it works:
Get Pre-Qualified

Get Pre-Qualified

Know your budget and house-hunt with confidence.
Find Your Home

Find Your Home

Work with an agent and explore listings.
Apply for Your Mortgage

Apply for Your Mortgage

Submit documents and finalize loan details.
Processing & Underwriting

Processing & Underwriting

We review and verify everything to move you forward.
Closing Day

Closing Day

Sign, finalize and celebrate your new home!
Get Started

Mortgage Options That Fit Your Life

First-Time Homebuyer

Taking the first step toward homeownership? We’re here to help with flexible, affordable options.
  • Personalized support to help you determine how much house you can afford
  • Zero-down loan options available with no private mortgage insurance (PMI)
First-Time Homebuyer

VA Loans

Designed exclusively for active-duty and veteran members, making homeownership more accessible.
  • No down payment required
  • No PMI, keeping costs lower
  • One-time rate float down option**
VA Mortgage

Jumbo Mortgages

Convenient financing options for high-value home purchases.
  • Competitive rates with flexible terms
  • Expert guidance for large transactions
  • Financing for luxury and high-cost homes
Jumbo Mortgage

What Will My Mortgage Look Like?

Estimate your monthly payment based on loan amount, rate and term.*
Get Started

Anthony

Our loan officers were very helpful during the entire loan process. They both were extremely knowledgeable and returned ALL emails/phone calls in a timely manner. They are both truly professional at what they do.
Our loan officers were very helpful during the entire loan process. They both were extremely knowledgeable and returned ALL emails/phone calls in a timely manner. They are both truly professional at what they do.

Anthony
Ready to Buy Your Dream Home?
Let’s make homeownership happen. Start your application today.
Get Started

Your Mortgage Questions, Answered

Do you finance manufactured homes?

Yes, subject to conditions on certain loan products.  The manufactured house must be:

  • Your primary or secondary residence
  • Attached to a permanent foundation
  • Classified as real estate
  • On an individual lot (not in a park) which will be owned by the buyer
  • Manufactured after June 14, 1976
What credit score do I need?
We work with a range of credit scores. Talk to a loan expert to explore your options.
Do I need a down payment?
Some loans, such as VA and first-time homebuyer programs, offer zero-down options.
How long does the mortgage process take?
Most loans close within 30 days, but timing can vary based on paperwork and approvals. For home equity loans and home equity lines of credit, our goal is to close your loan within 10 days.
*The displayed rates for conventional loans assume a loan amount of $500,000 for a single-family, owner-occupied purchase transaction with a down payment of 40% and a credit score of 740 or higher. VA rates assume a loan amount of $500,000 and no down payment. Conventional jumbo loans assume a loan amount of $832,751 and a 40% down payment. VA jumbo assumes a loan amount of $832,751 with no down payment. Payment examples can be obtained by clicking the calculate payments button above and do not include taxes or insurance premiums. Payment obligation will be higher.

**Qualified VA loan applications are offered one rate float-down free of charge. To qualify the VA application must have an existing rate lock and choose to utilize the float down option to move to a currently available lower rate. Only one float down option permitted per application. Rate float-down must be initiated more than 10 days prior to closing.  Standard rate lock rules apply. See a Real Estate Lending Specialist for additional details.