Space Coast Credit Union Mortgage Rates and Calculators


Space Coast Credit Union Online Banking » Space Coast Credit Union Mortgage Rates and Calculators

Space Coast Credit Union mortgage calculators enable users to quickly determine which type of home financing option is best for their particular financial circumstances. A complete overview of all of the mortgages and home equity loans offered through Space Coast Credit Union can be viewed on this webpage.

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Rates

SCCU mortgage and home equity loan rates can be viewed here. The listed rates are representative, and are subject to change. For personalized rate information individuals should contact an SCCU lending representative, or apply for a mortgage online.

Calculators

How to Calculate

The ‘How much can I borrow?’ calculator determines approximately how large of a mortgage an individual might be able to qualify for, based on the following factors:

  • Income
    • Wages before taxes or deductions
    • Investment income before taxes
    • Income from rental properties
    • Other income
  • Expenses
    • Auto loans
    • Student loans
    • Rental property loans ($0 if refinancing)
    • Other payments
  • Other Debts
    • Alimony
    • Credit Cards
  • Desired Loan Terms
    • Interest Rate
    • Term (years)
    • Down payment (as a percentage (%) of the price)
  • Taxes and Insurance
    • Yearly Property Tax
    • Yearly Insurance

Click the ‘Get Your Results’ button at the bottom of the calculator to load your results. Users can also click the ‘Results’ and/or ‘Graphs’ links at the top of the calculator for detailed graphical results.

This calculator determines how much the monthly payments will be on a mortgage. Enter the following inputs into the corresponding entry fields within the calculator:

  • Loan Amount
  • Appraised Value
  • Term (Years)
  • Interest Rate (%)
  • Yearly Property Tax
  • Yearly Insurance

Press the ‘Get Your Results’ button to generate the results page.

Calculates how much the monthly payments will be on an adjustable rate mortgage. Enter the following variables:

  • Loan Amount
  • Appraised Value
  • Term (years)
  • Yearly Property Insurance
  • Yearly Property Tax
  • State plus Federal Tax Rate
  • Months Before First Adjustment
  • Initial Interest Rate
  • Months Between Rate Adjustments
  • Maximum Rate Adjustments
  • Minimum Rate
  • Maximum Rate
  • Margin
  • Index Rate
  • Months Between Index Adjustments
  • Index Rate Change per Adjustment

Click the ‘Get Your Results’ button at the bottom of the calculator to load your results. Users can also click the ‘Results’ and/or ‘Graphs’ links at the top of the calculator for detailed graphical results.

This calculator will determine which type of mortgage is better; a fixed rate mortgage or an adjustable rate one. Based on the following inputs:

  • Interest Rate
  • Loan Amount
  • Term (years)
  • Origination Charge
  • Charge for Specific Interest Rate
  • Other Settlement Services

Information Regarding Adjustable Rate Mortgage

  • Months before first adjustment
  • Months between adjustments
  • Maximum adjustment rate
  • Minimum adjustment rate
  • Minimum rate
  • Maximum rate
  • Margin
  • Index Rate
  • Index Rate Change per Adjustment
  • Months between index adjustments
  • State plus Federal Tax Rate
  • Purchase Price
  • Yearly Property Tax
  • Yearly Property Insurance
  • Years before you sell of pay off loan
  • Savings Rate

Click on the ‘Get Your Results’ button at the bottom of the calculator to display the results.

Determines whether paying points to lower a mortgage’s interest rate is a financially viable option, based on the following variables:

  • Term (years)
  • Interest Rate
  • Origination Charge
  • Charge for Specific Interest Rate (Points)
  • Other Settlement Services
  • State + Federal Taxes
  • Purchase Price
  • Yearly Property Tax
  • Yearly Property Insurance
  • Years Before Paying Off a Loan
  • Savings Rate
  • Months Before First Adjustment
  • Months Between Rate Adjustments
  • Maximum Rate Adjustment
  • Minimum Rate
  • Maximum Rate
  • Margin
  • Index Rate
  • Index Rate per Adjustment
  • Months Between Index Adjustments

Click the ‘Get Your Results’ button at the bottom of the calculator to load your results. Users can also click the ‘Results’ and/or ‘Graphs’ links at the top of the calculator for detailed graphical results.

Compares between the loan terms of a 15 vs 30 year mortgage, in order to determine which is the better option. Enter the following inputs into the appropriate fields within the calculator:

  • Interest Rate
  • Loan Amount
  • Term (years)
  • Origination Charge
  • Charge for Specific Interest Rate
  • Other Settlement Services
  • Your State + Federal Tax Rate
  • Purchase Price
  • Yearly Property Tax
  • Yearly Property Insurance
  • Years Before you Pay Off Loan
  • Your Savings Rate

Click the blue ‘Get Your Results’ button at the bottom of the calculator in order to display the results.

Determines approximately how much money should be put down for the purchase of a new home. Enter the following variables into the corresponding input fields within the calculator:

  • Interest Rate
  • Term (Years)
  • Origination Charge
  • Charge for Specific Interest Rate
  • Other Settlement Services
  • Savings Rate
  • State + Federal Tax rate
  • Purchase Price
  • Yearly Property Tax
  • Yearly Property Insurance
  • Years Before You Sell or Pay Off the Loan

Click the blue-colored ‘Get Your Results’ button at the bottom of the calculator to display the results.

Calculates how much money an individual might be able to save in taxes, based on the following inputs:

  • Term (years)
  • Interest Rate
  • Origination Charge
  • Charge for Specific Interest Rate
  • Other Settlement Services
  • State plus Federal Tax Rate (percentage)
  • Appraised Value
  • Annual Property Taxes
  • Annual Property Insurance

Press the ‘Get Your Results’ button at the bottom of the calculator to load your results. Users can also click the ‘Results’ and/or ‘Graphs’ links at the top of the calculator for detailed graphical results.

Determines approximately what the closing costs will be on the purchase of a home, based on the following inputs:

  • Purchase Price
  • Loan Amount
  • Term (years)
  • Interest Rate Percentage
  • Origination Charge
  • Charge for Specific Interest Rate
  • Appraisal
  • Credit Report
  • Flood Certification
  • Tax Service
  • Title Services and Lender’s Title Insurance
  • Owner’s Title Insurance
  • Government Recording Charges
  • Transfer Taxes
  • Survey
  • Pest Inspection
  • Yearly Property Tax
  • Yearly Property Insurance

Click on the ‘Get Your Results’ button at the bottom of the calculator to display the results.

Determines whether an individual is better off renting versus financing a home with a mortgage loan. Enter the following inputs:

  • Monthly Rent
  • Monthly Renter’s Insurance
  • Yearly Rent Increase (Decrease) as Percentage
  • Purchase Price
  • Appreciation or Depreciation Rate
  • Savings Rate
  • State plus Federal Income Tax Rate
  • Years Before Selling/Paying Off Loan
  • Loan Amount
  • Term (Years)
  • Interest Rate
  • Origination Charge
  • Charge for Specific Interest Rate
  • Other Settlement Services
  • Yearly Property Tax
  • Yearly Maintenance
  • Yearly Property Insurance
  • Selling Cost (% of Selling Price)

Click the ‘Get Your Results’ button at the bottom of the calculator to load your results. Users can also click the ‘Results’ and/or ‘Graphs’ links at the top of the calculator for detailed graphical results.

This calculator determines whether an individual is better off refinancing their mortgage or not, based on the following variables:

  • Original Loan Information
    • Original Loan Amount
    • Original Term in Years
    • Years Already Paid
    • Balloon Year (write “0” if none)
    • Interest rate
  • New Loan Information
    • Term (Years)
    • Balloon Year (“0″if none)
    • Origination Charge
    • Charge for Specific Interest Rate
    • Other Settlement Services
    • Interest Rate
  • Property and Personal Information
    • Appraised Value
    • Yearly Property Tax
    • Yearly Property Insurance
    • Your Savings Rate
    • State plus Federal Tax Rate
    • Years Before You Sell

Click on the ‘Get Your Results’ button at the bottom of the calculator to display the results.

Determines approximately how much refinancing a mortgage will cost. Enter the following variables into the corresponding input fields within the calculator:

  • Purchase Price
  • Loan Amount
  • Term (years)
  • Interest Rate
  • Adjusted Origination Charges
    • Origination Charge
    • Charge for Specific Interest Rate
  • Other Settlement Services
  • Appraisal Report
  • Credit Report
  • flood Certification
  • Tax Service
  • Lender’s Title Insurance
  • Original Title Insurance
  • Recording Fee(s)
  • Annual Property Taxes
  • Annual Property Insurance

Press the ‘Get Your Results’ button to generate the results page.

Determines how an individual might be able to lower their mortgage insurance costs, based on the following variables:

  • Term (years)
  • Interest rate
  • Appraised Value
  • Yearly Property Tax
  • Yearly Property Insurance

Click the ‘Get Your Results’ button at the bottom of the calculator to load your results. Users can also click the ‘Results’ and/or ‘Graphs’ links at the top of the calculator for detailed graphical results.

Compares between loans offered by different lenders in order to determine which offer is the best, based on the following inputs:

  • Property Information
    • Purchase Price
    • Loan Amount
    • Term (years)
    • Yearly Property Tax
    • Yearly Property Insurance
    • Savings rate
    • State + Federal Tax Rate
    • Years Before Selling Home/Paying off Mortgage
  • Loan Comparison (Loan1/Loan2)
    • Interest Rate
    • Origination Charge
    • Charge for Specific Interest Rate
    • Other Settlement Services
  • If Comparing Adjustable Rate Mortgages (ARM’s)
    • Months Before First Adjustment
    • Months Between Rate Adjustments
    • Maximum Rate Adjustment
    • Minimum Rate
    • Maximum Rate
    • Margin
    • Index Rate
    • Index rate Change for Adjustment
    • Months Between Index Adjustments

Press the ‘Get Your Results’ button to generate the results page.

Compares between two different loans in order to determine which is the better of the two. Enter the following inputs into the corresponding entry fields within the calculator:

  • Loan 1 and Loan 2 Information
    • Term (years)
    • Interest rate
    • Origination Charge
    • Charge for Specific Interest rate
    • Other Settlement Services
  • If Loan is an Adjustable Rate Mortgage (ARM)
    • Months before First Adjustment
    • Months between Rate Adjustments
    • Maximum Rate Adjustment
    • Minimum Rate
    • Maximum Rate
    • Margin
    • Index Rate
    • Index Rate Change per Adjustment
    • Months between Index Adjustments
  • Loan Amount
  • Purchase Price
  • Your State + Federal Tax Rate
  • Yearly Property Tax
  • Yearly Property Insurance
  • Years Before you Sell or Pay off Loan
  • Your Savings Rate

Click on the ‘Get Your Results’ button at the bottom of the calculator to display the results.

Determines how much quicker a mortgage can be paid off by making extra monthly payments, based on the following inputs:

  • Loan amount
  • Appraised Value
  • Term (years)
  • Yearly Property Tax
  • Yearly Property Insurance
  • Interest Rate
  • Additional Monthly Payment
  • Months until you Start Payments

Press the ‘Get Your Results’ button to generate the results page.

Determines how expensive of a home an individual can afford, based on the following variables:

  • Down Payment
  • Total Monthly Payment
  • Term (years)
  • Interest Rate
  • Loan to Value Ratio
  • Yearly Property Tax
  • Yearly Property Insurance

Click the ‘Get Your Results’ button at the bottom of the calculator to load your results. Users can also click the ‘Results’ and/or ‘Graphs’ links at the top of the calculator for detailed graphical results.

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