Last Updated: 07/11/2025
State Employees' Credit Union Manufactured Home Loans
Unaffiliated
Last Updated: 07/11/2025
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Highlights
Credit Score Range
N/A
Amount Range
N/A
Loan Term (Years)
Up to 15
State Employees' Credit Union Manufactured Home Loans Review
State Employees' Credit Union Manufactured Home Loans is offered by State Employees Credit Union (NMLS #430055), a credit union founded in 1937 and based in Raleigh, NC. State Employees' Credit Union Manufactured Home Loans are available in 5 states.
Key Takeaways
- Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
- Standard interest rates types. State Employees' Credit Union Manufactured Home Loans offers adjustable-rate mortgages and fixed-rate mortgages.
- Only primary residences considered. State Employees' Credit Union Manufactured Home Loans 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.
- Origination fee of 1%. This is on the low end for lenders that charge an origination fee. However, some lenders don't charge an origination fee.
- Maximum LTV. State Employees' Credit Union Manufactured Home Loans has a maximum loan to value ratio of 65%.
State Employees' Credit Union Manufactured Home Loans Pros & Cons
| Pros | Cons |
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State Employees' Credit Union Manufactured Home Loans FAQ
What is the maximum loan term you can get with State Employees' Credit Union Manufactured Home Loans?
State Employees' Credit Union Manufactured Home Loans offers mortgages with a maximum term of 15 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 State Employees 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, State Employees' Credit Union Manufactured Home Loans may charge a loan origination fee of 1% of the loan amount up to $2500 .
What property usage types does State Employees' Credit Union Manufactured Home Loans allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. State Employees' Credit Union Manufactured Home Loans allows the following property usage types:
- Primary home
What is the customer service phone number?
The customer service number for State Employees' Credit Union Manufactured Home Loans is (888) 732-8562.
What is the support contact email?
The support contact email for is info@ncsecu.org.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:30PM
Tuesday
8:30AM - 5:30PM
Wednesday
8:30AM - 5:30PM
Thursday
8:30AM - 5:30PM
Friday
8:30AM - 5:30PM
Saturday
Closed