Home Loans
Home Equity & Home Improvement Loans
What is Home Equity?
Home equity represents the difference between your home's market value and the remaining balance on your mortgage. Tap into the equity you've built to fund home renovations, support your growing family, cover educational expenses, or consolidate debt. Whatever your goals may be, SRCFCU is here to provide flexible solutions tailored to your needs.
Current Rates
| Loan Type | Approximate Term | APR* (As Low As) |
|---|---|---|
| Home Equity/Home Improvement | Up to 60 Months | 6.24% |
| Home Equity/Home Improvement | Up to 120 Months | 6.49% |
| Home Equity/Home Improvement | Up to 180 Months | 6.74% |
| Home Equity/Home Improvement | Up to 240 Months | 6.99% |
Ready to get started?
Mortgage Refinance Loans
Take advantage of a First Mortgage Refinance Loan and lower your interest rate to reduce your monthly payments and save on interest over the life of your loan!
Benefits Include:
Shortening Your Loan Term: Pay off your mortgage faster and save on total interest.
Switching Loan Types: Move from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage for more predictable payments.
Accessing Home Equity: Take cash out for major expenses like home improvements, debt consolidation, or education.
current rates
| Loan Type | Approximate Term | APR* (As Low As) |
|---|---|---|
| First Mortgage Refinance | Up to 60 Months | 5.99% |
| First Mortgage Refinance | Up to 120 Months | 6.24% |
| First Mortgage Refinance | Up to 180 Months | 6.49% |
All rates effective October 1, 2025
Mortgage Refinance Calculator
Mortgage Refinance Calculator
Determine whether refinancing your mortgage makes financial sense. This calculator estimates your new payment, total interest savings, and how long it will take to break even on closing costs.
Current Mortgage
Refinance Details
*The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.
How to Apply
Complete a Residential Loan application and bring it by one of our branch locations.
need help?
Our dedicated Lending Team can help you get customized quotes, competitive rates, and expert guidance for all of your Home Loan needs.
Call 850-623-3877, email loans@srcfcu.org, or fill out the form below.
Disclaimer
Standard credit qualifications and other terms and conditions apply. Loans are subject to credit approval.
NMLS#416274