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Last Updated: 04/18/2025

Service Plus Credit Union 1st Mortgages

from Service Plus Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

N/A

Loan Term (Years)

Up to 30

Service Plus Credit Union 1st Mortgages Review

Service Plus Credit Union 1st Mortgages is offered by Service Plus Credit Union , a credit union founded in 1950 and based in Moline, IL. Service Plus Credit Union 1st Mortgages are available in 50 states and Washington, DC.

Key Takeaways

Specializes in single-family homes. Only offers mortgages for single-family homes, but not for multi-family properties or manufactured homes.
Standard interest rates types. Service Plus Credit Union 1st Mortgages only offers fixed-rate mortgages.
Only primary residences considered. Service Plus Credit Union 1st Mortgages does not offer financing for vacation homes or investment properties.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
High maximum LTV ratio. Service Plus Credit Union 1st Mortgages has a maximum loan to value ratio of 90%, which is higher than average. Most lenders want you to have at least 20% equity.
Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Service Plus Credit Union 1st Mortgages.

Service Plus Credit Union 1st Mortgages Pros & Cons

Pros

Cons

Offers financing for single-family homes.
Available in all 50 states.

Charges an origination fee.
Charges prepayment fees.

Service Plus Credit Union 1st Mortgages FAQ

What is the maximum loan term you can get with Service Plus Credit Union 1st Mortgages?

Service Plus Credit Union 1st Mortgages offers mortgages with a maximum term of 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What mortgage rates does Service Plus Credit Union offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Do they charge mortgage origination fees?

Yes, Service Plus Credit Union 1st Mortgages may charge a loan origination fee .

What property usage types does Service Plus Credit Union 1st Mortgages allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Service Plus Credit Union 1st Mortgages allows the following property usage types:

Primary home

What is the customer service phone number?

The customer service number for Service Plus Credit Union 1st Mortgages is (309) 736-2500.

What is the support contact email?

The support contact email for is members@service-pluscu.org.

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Contact

Headquarters

2110 53rd St

Moline, IL 61265

(309) 736-2500

Visit Site

Email Support

Hours of Operation

SundayClosedMonday8:30AM - 5:00PMTuesday8:30AM - 5:00PMWednesday8:30AM - 5:00PMThursday8:30AM - 5:00PMFriday8:30AM - 5:30PMSaturdayClosed

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SuperMoney Net Recommendation Score

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-1000+100

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