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Whether you're l ooking for your first home, want to refinance your existing home or purchase a vacation home or rental property, SCE FCU offers you a wide variety of real estate loans to help meet your needs.

Mortgages

Stop wondering what you qualify for and obtain your Pre-Qualification Certificate today! SCE FCU wants you to get the most for your money when buying, selling or refinancing your home.

SCE FCU has programs for:

  • Refinancing
  • Condos
  • Second & vacation homes
  • Investor properties
  • Single-family homes
  • Duplex units
  • Home improvement
  • Excellent or less than perfect credit
  • Debit consolidation
  • Verified or hard to prove income or employment
  • Fixed or adjustable rate loans with terms of 15, 20, 30 and 40 years
  • Realtor commission rebates

Realtor Rebates

Receive thousands of dollars in cash rebates when you buy or sell a home using Realtor Rebates -- at no charge to you.

Home Equity Loans

Home Equity Loans are closed-ended, fixed term loans, where you borrow a set amount, then make equal monthly payments over a specific time period. They are an ideal solution for major purchases, and expenses, such as college tuition and home improvements.

Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) is a variable rate loan that allows you to access the funds in your home for any purpose - remodel your home, purchase a vehicle, go on vacation, pay for education needs, etc. Since it's a revolving line of credit, it works just like a credit card - when your balance is repaid, your credit line is replenished.  And, you only pay interest on the money you actually advance.

We offer 80%, 90% and 100% loan-to-value equity programs as well as non-owner occupied programs. You'll also enjoy convenient, FREE check writing access to your available funds.


Not sure which type of loan is right for you?

SCE FCU's Financial Service Consultants can help guide you to the Home Loan that best meets your needs.  Whether you have questions regarding your account, want to become a member or need to check current rates.  We're here for you.