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Member Notices  Updated 02/19/2019

Member Notices

Member Notice: Due to a standardization in our address formatting, you may notice a change in how your address appears on mail communication from Service Credit Union. Please note that these mailings are from Service Credit Union, but if you have any concerns please reach out to us at 800.936.7730 (U.S.) or 00800.4728.2000 (Intl).

Online Banking and Mobile Banking Maintenance: Our vendor will be conducting routine maintenance throughout 2019, for a list of dates and times where service may be intermittently unavailable click here for a list of dates and times where service may be intermittently unavailable.

 

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Mortgages

At Service Credit Union, we have mortgages to suit every budget.
Whether you’re a first-time buyer or looking to refinance, we’re the experts you can trust.
Service Credit Union NMLS# 491588

Mortgage Team

Mortgage Rates

First-time Homebuyer

Low Down Payment

Jumbo

VA Loans

Real Estate Rehab Loan

Home Equity

View Your Mortgage Online

Our Real Estate Loan Specialists

Whether you are purchasing your first home or refinancing your current mortgage, our Real Estate Loan Specialists will take the time to explain all of the options, help you understand the lending process and assist you in making the choices most suitable for your needs.

Mortgage Team
Areas Covered Real Estate Loan Specialists  
Hinsdale Walmart Branch
Keene Branch
Loans in Vermont

Apply Now with Jennifer Brooks

Jennifer Brooks
Real Estate Loan Specialist
800.619.6575 ext. 7554
NMLS# 644376
Jennifer Brooks
Amherst Branch
Hudson Walmart Branch
Nashua Branch

Apply Now with Carol Callihan, CMP

Carol Callihan, CMP
Real Estate Loan Specialist
800.619.6575 ext. 2048
NMLS# 644374
Carol Callihan
All Branches and National Loans

Apply Now with Robert Derrickson

Robert Derrickson
Manager Real Estate Loan Originations
800.619.6575 ext. 8339
Cell phone: 603-812-1542
NMLS# 170208
Robert Derickson
Epping Walmart Branch
Exeter Branch
Portsmouth Branch
Tyco Branch

Apply Now with Krysten Fowler

Krysten Fowler
Real Estate Loan Specialist
800.619.6575 ext. 2910
NMLS# 1703882
Krysten Fowler
Bedford Branch
Manchester Walmart Branch

Apply Now with Matt Gallant

Matt Gallant
Real Estate Loan Specialist
800.619.6575 ext. 2262
Cell phone: 603-957-8393
NMLS# 1132974
Matt Gallant
Derry Walmart Branch
Salem Branch
Salem Walmart Branch

Apply Now with Lawrence "Larry" George, CMP

Lawrence "Larry" George, CMP
Real Estate Loan Specialist
603.629.9898 ext. 7588
NMLS# 162531
Larry George
Falmouth Branch
All towns & cities in Massachusetts

Apply Now with Jennifer Getzie

Jennifer Getzie
Real Estate Loan Specialist
800.619.6575 ext. 7679
Cell phone: 603-957-8181
NMLS# 1529265
Jennifer Getzie
DHMC Branch
Lebanon Branch
Loans in Vermont

Apply Now with Christopher W. Gilman

Christopher W. Gilman
Real Estate Loan Specialist
800.619.6575 ext. 7643
Cell phone: 603-252-1011
NMLS# 644375
Chris Gilman
Berlin Branch
Concord Walmart Branch
Franklin Branch
Gorham Walmart Branch
Laconia Branch
Lancaster Branch
Plymouth Walmart Branch

Apply Now with Kathleen S. Horgan

Kathleen S. Horgan
Real Estate Loan Specialist
800.619.6575 ext. 2025
Cell phone: 603-812-3809
NMLS# 644378
Kathleen Horgan
All National Loans
Grand Forks Branch
Hampton Branch
Newington Branch
Portsmouth Branch
Seabrook Walmart Branch

Apply Now with Catherine O’Leary

Catherine O’Leary
Real Estate Loan Specialist
800.619.6575 ext. 6945
NMLS# 1537580
Catherine O Leary
Grand Forks Branch
All National Loans
Portsmouth Branch
Portsmouth Walmart Branch

Apply Now with Michael Schulenberg

Michael Schulenberg
Real Estate Loan Specialist -National
800.619.6575 ext. 6587
NMLS# 313608
Michael Schulenberg
Pease Air National Guard Base Branch
Pease Branch
Rochester Branch
Somersworth Branch
Somersworth Walmart Branch

Apply Now with Christine Wellington

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

Mike MulhernMichael Mulhern
Asst. Vice President – Real Estate Lending
800.619.6575 ext. 8332
Cell phone: 603-234-3189
NMLS# 276051

Mortgage Rates

Click hereto find mortgage rates and products based on your unique needs. Our online loan consultant feature walks you through all the important steps of determining which mortgage is the best fit for you. to find mortgage rates and products based on your unique needs. Our online loan consultant feature walks you through all the important steps of determining which mortgage is the best fit for you.

0% Down Program

This program offers members 0% down on a home without the costly PMI for life that some loans carry. Talk to a Real Estate Loan Specialist today to see if you qualify!

Apply Now

HLPR Loans

Designed for first-time homebuyers, the SCU HLPR (Home Loan Payment Relief) Loan combines a low down payment with a below market interest rate, making the HLPR a great alternative to government loan programs, such as FHA. In addition, Service Credit Union will contribute up to $1,000 toward your closing costs. This combination of low down payment and discounted closing costs makes the HLPR loan a great option for many buyers who otherwise would be frozen out of the housing market because of high monthly payments or high down payment requirements. The HLPR loan is subject to certain maximum income restrictions, based on property location.

Apply Now

USDA Loan

Service Credit Union is pleased to be an approved mortgage lender for the Guaranteed USDA Rural Development loans. This program provides low- and moderate-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas. This program provides loans at 100% financing to eligible rural homebuyers.

Apply Now

0% Down Program

This program offers members 0% down on a home without the costly PMI for life that some loans carry. Talk to a Real Estate Loan Specialist today to see if you qualify!

Apply Now

HLPR Loans

Designed for first-time homebuyers, the SCU HLPR (Home Loan Payment Relief) Loan combines a low down payment with a below market interest rate, making the HLPR a great alternative to government loan programs, such as FHA. In addition, Service Credit Union will contribute up to $1,000 toward your closing costs. This combination of low down payment and discounted closing costs makes the HLPR loan a great option for many buyers who otherwise would be frozen out of the housing market because of high monthly payments or high down payment requirements. The HLPR loan is subject to certain maximum income restrictions, based on property location.

Apply Now

USDA Loan

Service Credit Union is pleased to be an approved mortgage lender for the Guaranteed USDA Rural Development loans. This program provides low- and moderate-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas. This program provides loans at 100% financing to eligible rural homebuyers.

Apply Now

Jumbo Loans

Service Credit Union’s jumbo loans allow you to obtain financing that exceeds Fannie Mae’s “conforming” loan limit, at competitive rates. The conforming loan limit for 2018, for a single family or condominium, is $453,100 for most locations. Any loan above $453,100 is considered a jumbo loan. For some locations, such as Rockingham and Strafford Counties in New Hampshire and many counties in Massachusetts, the limit is higher—typically $603,750 and up. Regardless of whether or not your loan is conforming or a jumbo, Service Credit Union has a program to fit your needs.

Apply Now

VA Loans

VA (Veterans Affairs) Home Loans are government back mortgages programs that can help finance a home for our active and retired military members with little to no money for a down payment. These home loans programs are intended for the purchase or refinance of a primary residence.

To learn more about how you can obtain a VA Home Loan contact one of our Real Estate Loan Specialists.

Apply Now

Real Estate Rehab Loan

This is a unique program for members who want their purchase and home improvement funds to come from one simple mortgage loan closing. Conventionally, a home improvement, or “rehab loan,” would require some equity down by the borrower, potentially up to 20%. Not so with SCU’s REHAB loan; renovation funds are available to cover the cost of improvements on a single family home that will enhance the value and the livability of the property. For example:

– Making energy improvements
– Addressing potential health and safety issues
– Upgrading rooms and increasing resale value to build more equity

How It Works:

  • This program is a fixed-rate amortizing mortgage
  • A general contractor with plans and specifications are needed to use this program
  • A Service Credit Union account will be used to hold the loan proceeds to fund the project with multiple disbursements
  • When the renovations are complete, you continue to pay the same principle and interest that you have paid since purchasing the property
  • Call today to learn about our current competitive APR and low downpayment options on this loan so that you can open the possibilities of a newly renovated home with the use of SCU’s REHAB Loan. Bring it Home!

Apply Now

Home Equity

Service Credit Union offers two types of equity lending: A fixed rate home equity loan or a variable rate home equity line of credit. To determine which one best suits your needs, first determine how the money will be spent.

Home Equity Loan

A fixed rate home equity loan is the better choice when you know the total amount of money you need and want to receive this money in a lump sum.

Home Equity Line of Credit (HELOC)

A variable rate home equity line of credit is right for you when you want cash availability. This revolving line of credit enables you to access your funds by simply writing a check. (This option is available on owner-occupied property only.) You can write checks on your line of credit for up to 10 years with an additional 179-month repayment period.

Apply Now

View your mortgage online:

Blue houseMORTGAGE LOANS
Maine
Massachusetts
New Hampshire
Vermont

Red houseMORTGAGE LOANS
All Other States

Please send all error resolution and information requests to the following address:

P.O. Box 1268
Portsmouth, NH 03802

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Helpful Information

US Phone: 800.936.7730
International Phone: 00800.4728.2000
Military DSN: 314.489.7640/7650/7660
Routing # 211489656

Service Credit Union,
3003 Lafayette Road, Portsmouth, NH 03801

  • US: 800.936.7730
  • International: 00800.4728.2000

US Routing Number 211489656
German Bankleitzahl (BLZ) Routing Number: 54030011
Bank Identification Code (BIC): SCRUDE51

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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