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Residential Mortgages

Looking to purchase a new home or refinance your existing home? Let South Carolina Federal Credit Union help you navigate the mortgage loan process. Whether you are purchasing or refinancing, our team of mortgage professionals is dedicated to help you with every step of the process. We offer a number of mortgage options to meet your needs.

Fixed-Rate Mortgage

This loan features a fixed rate and fixed payment over the life of the loan. Consider this loan if you plan to be in your home for longer than 10 years or are concerned about interest rates rising.

Adjustable-Rate Mortgage

This loan features a lower initial interest rate than a fixed-rate mortgage. South Carolina Federal offers several ARMs, including two-year and five-year options with varying terms. The number refers to the length of time the initial interest rate remains constant. The ARM rate may be adjusted after that period of time. Consider this loan if you plan on being in your home less than 10 years and are not concerned about a variable interest rate.

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Not A Member?

If you’re not currently a member of South Carolina Federal Credit Union you can still apply for a mortgage loan and qualify for membership. Want to learn more about joining the credit union? Learn more

Member Tips

Show sellers that you are a serious shopper by going through the process of being pre-qualified for your home purchase. This process give you a good idea of how much home you can afford and increases your buying power when approaching sellers. Talk with your Mortgage Loan Officer about how to get pre-qualified today!

Online Banking Enrollment

Enrolling in Online Banking is simple and FREE:

  1. Enter your User ID
  2. Enter Phone Banking PIN as your Password
  3. Click on the LOG IN button

If you don't know your Phone Banking PIN, please contact us at 843.797.8300 (Charleston) or 800.845.0432 (Nationwide).