Home Mortgage Loans

First-time buyer? Looking for a new space for the family? Whatever Gulf Coast home you have in mind, we're here to help you finance it.

HOME MORTGAGE LOANS

Local Guidance for Buying, Building, or Refinancing a Home

Whether you're a first-time homebuyer or ready for your next move, SRFCU is here to guide you home.

HOME MORTGAGE LOANS

Mortgage Options Built Around Your Goals

SRFCU home mortgage loans are available for a variety of property types and situations, with terms tailored to your financial profile.

  • Competitive rates for home purchase, refinance, or construction

  • Available for primary residences, second homes, vacation homes, or investment properties

  • Flexible loan terms customized to your situation

  • No application fees

Clear Rates. Real Savings.

Current Real Estate Loan Rates

15 Year Term

20 Year Term

30 Year Term

MORTGAGE PROGRAMS AVAILABLE

Financing Programs for Different Buying Situations

A variety of mortgage programs are available to support different buyers and circumstances, including:

  • Construction-to-permanent financing

  • Programs for first-time homebuyers

  • Special programs for low-income or subprime credit borrowers

  • Special consideration for Teachers, Police, Fire, and Emergency Personnel

WHAT TO EXPECT

Local Processing and Personalized Support

SRFCU mortgage loans are processed locally, with loan advisors who understand the Gulf Coast real estate market. From pre-approval through closing, members receive attentive, personalized service and timely decision-making.

  • Local processing and underwriting

  • Quick, local decisions

  • Pre-approval options to strengthen purchase offers

  • Support for refinancing existing mortgages

Ready to get started?

Call (228) 475-9531 to explore home loan options with our local lending team.