Smart Start for First-Time Homebuyers

Mortgage pre-approval made easy

Get pre-approved with SCU Credit Union's Smart Start Program. Down payments starting at 3%, up to $1,000 closing costs credit, and fast processing.

get started

Smart Start Mortgage Pre-Approval

Be prepared and get a pre-approved mortgage before looking for your home. It is a full mortgage application leading to a commitment, subject to property appraisal and other requirements once you find the right property. You will have greater confidence and negotiating power with this pre-approval letter in hand.

Highlights

Available for all our first mortgage products.
Greater negotiating power.
Reduces processing time when a property is chosen.
Adjustable Rate Mortgages (ARM) with low down payments (as low as 3% down for first-time homebuyers)

Closing Cost Credits

$200 processing fee is credited towards the closing costs when you finance with SCU Credit Union.
First-time home buyers get a $1,000 closing cost credit when they use Smart Start pre-approval and close their purchase with SCUCU. Plus, all other Smart Start pre-approvals will receive a $525 closing cost credit upon loan closing with SCU Credit Union.
All other Smart Start pre-approvals will receive a $525 closing cost credit upon loan closing with SCU Credit Union.

create an account to get your Smart Start application started talk to a mortgage consultant

How to Create an Online Account for the Smart Start Program:

Follow these simple steps to set up your account and get started with your Smart Start Program application.

Step 1: Visit the Smart Start Program Application Page. This is where you'll begin the account creation process.

Step 2: Click "Create Account". Once on the application page, locate and click the "Create Account" button to start.

Step 3: Set Up Your Username and Password

Choose a secure username that's easy to remember.
Create a strong password with at least 8 characters, including upper and lowercase letters, numbers, and a special character (!, $, #, etc.) for added security.

Step 4: Verify Your Email Address

Check the inbox for the email address you provided during setup. Look for a verification email from us and click the link within the email to confirm your account. (Tip: Check your spam or junk folder just in case!)

Step 5: Log in to Your New Account

With your email verified, return to the Smart Start application page. Use your newly created username and password to log in.

Step 6: Start Your Application

After logging in, you'll be prompted to begin your Smart Start application. Enter all your personal information accurately to avoid delays in the application process.

Pro Tip: Double-check all information entered before submitting each section of your application.

That’s it! You’re all set to kick off your Smart Start application process. If you run into any issues, our team is here to help.

Get started

Your Mortgage Resource Toolkit