February 3rd, 2014

Everything You Love About SMCU – In a Mortgage


If you are looking to purchase a new home or refinance your existing mortgage, you’ll want to talk to the mortgage pros in SMCU’s Mortgage Center.

Our mortgage experts have decades of experiencing helping members like you find exactly the right mortgage.

Whether you need a conventional 30-year fixed-rate mortgage or something a little different, like a Jumbo Loan, ARM, or even a floating-home loan, SMCU has the mortgage for you.

You’ll get great advice no matter if you’re buying your first home or you’ve been through the process before. Our dedicated mortgage representatives will take the time to answer all of your questions, so you end up with a loan you’ll love.

Ask them about our fast pre-approvals (so you can make the first offer) or our 21-day Closing Guarantee1 for purchase loans – if we don’t close your eligible loan in 21 days, we’ll reduce your closing costs by $500.

If you are looking to pay your home off faster, ask about our 12-year No-Fee Refinance option2.

Even if you don’t have equity in your home, you may be able to refinance and cut your payment. Our experts know about special programs that can help you stay in your home.

Call (206) 398-5888 today for a no-obligation mortgage consultation or go to smcu.com to get the application process started.

1SMCU will close your home-purchase transaction within 21 days or we will reduce your closing costs by $500. The 21-day closing guarantee is only available on purchase money transactions subject to the following terms and conditions: Available on conventional loan programs only (FHA, VA, USDA, construction, land, and Floating Homes excluded). All loans subject to credit approval. The 21-day period begins on the first business day after SMCU receives your complete mortgage loan application and you comply with all application requirements. SMCU, in its sole discretion, will determine whether an application is complete based on the satisfactory completion of the application form and information requested by SMCU to process your application. You must be eligible for membership and have or open an account within 48 hours of application. All supporting documentation requested by SMCU and the $500 application deposit must be received within 48 hours of request. Your loan program must be selected and interest rate must be locked 10 business days prior to closing. Underwriting conditions of approval, including homeowner’s insurance information must be received at least 10 business days prior to closing date. Appraisal appointment must be scheduled within 48 hours of initial contact by appraiser. Property must appraise in “as-is” condition and at or above the purchase price. Delays outside of SMCU’s control such as inclement weather, inspection/appraisal issues, and re-negotiations or other delays initiated by either the buyer or seller disqualify the transaction from the 21-day guarantee. Your closing agent must schedule a signing appointment within 24 hours from the time they receive the closing documents from SMCU. If SMCU does not close your loan within 21 days, and all of the above requirements have been met, your closing costs will be reduced by $500. Terms and conditions subject to change without notice. 2Available for mortgages less than $200,000. Equal Opportunity Lender.

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