15-Year Fixed Lot/Land Mortgage Loan | Security Service

Mortgage Loans - 15-Year Fixed Lot/Land Loans

Secure the ideal location for your dream home with 15-year fixed-lot or -land loan up to $200,000 and Security Service will pay up to $5,0001 in select closing costs.


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Telephone: 1.800.681.4466
Monday - Friday:   8 am - 6 pm

Take the first step to home ownership with…

  • No Closing Costs – Up to $5,0001 of select closing costs are paid by SSFCU
  • No Origination Fee – Other financial institutions may charge as much as 1% of your total balance
  • Great LTV Ratios – Our max Loan-to-Value ratios are: 90%, lot loan; 80%, land loan


More Benefits:

  • Full Disclosure –Track rates and estimate monthly payments with Rate Tracker
  • No Acreage Limits – Lot size will conform to the area with our lot loans
  • Secure Your Rate – Set your interest rate and discount points up to 30 days with Rate Lock2


Apply today! You’ll need the following information to get started:

  • Your Social Security number (to obtain a credit report)
  • Your monthly income
  • Address of the subject property
  • Estimated value of the subject property
  • Mortgage loan amount requested

Note: Additional documentation may be required after the above items are reviewed by the Mortgage Underwriting Department.

Membership eligibility required. Loan subject to credit approval. No Closing Cost offer does not cover mortgage insurance, seller paid closing costs, discount points, or prepaids & reserves. The program is not valid for FHA or VA loans. If loan is closed or paid off within first 36 months of the term, member may be required to reimburse all or some of the closing costs incurred.

1 Does not include mortgage insurance, seller paid closing costs, origination fee, discount points or pre-paids. Reimbursement schedule applies for the first 36 months beginning with the first payment date: Months 1 – 12: $3,000 or amount of closing costs paid by SSFCU, whichever is less; Months 13 – 24: $2,000 or amount of closing costs paid by SSFCU, whichever is less; Months 24 – 36: $1,000 or amount of closing costs paid by SSFCU, whichever is less. The no closing program is not valid for FHA and VA loans.

2 Applies to fixed rate mortgages with terms of 10, 15, 20, or 30 years and Adjustable Rate Mortgages (ARM) with a term of 30 years. The interest rate can be locked for a period of 30 days. Interest rate will be guaranteed provided member provides the credit union with all documentation, information, and certifications requested. Members must satisfy all loan approval conditions in a timely manner in order to allow the credit union adequate time to process and fund the loan within the lock period.