Get A Mortgage

We care [about helping you get into the home of your dreams].

Welcome Home.

Buying a home can be stressful. Leave the financing of it to us!

Purchase or refinance your home
No prepayment penalties
Competitive Rates
Multiple home loan options including CU Promise
Loans subject to credit approval
Email us at mortgages@sacovalley.org to get started!
*Your privacy is important to us. Please do not include any sensitive information in email messages.
Questions? Call 207-282-6169 or text our mortgage lending team at 207-602-4313!

Contact our mortgage team today to discuss our loan options that best fit your needs! We can help you make the right decision with the following loan options:

Conventional fixed-rate and adjustable rate mortgages
CU Promise and CU Advantage loans
VA & FHA Loans
Rural Housing Loans
Maine State Housing Authority

Contact Us to Learn More and Apply!

Locations & Hours

We were pleasantly surprised at how easy it was to do our home refinance with SVCU. We've refinanced before with other banks and there were always glitches. This was smooth and easy the whole way through, and they beat all the other institutions' rates! They've won our business!
Scott A., Gray, ME

Frequently Asked Questions

What are the differences between FHA, VA, Rural Housing, and Maine State Housing Authority options?

FHA (Federal Housing Administration), VA (Veterans Affairs) , Rural Housing and Maine State Housing Authority loans are all unique options to fit unique circumstances. These loans are offered or backed through various government organizations and have special stipulations for each. If you are interested in learning more or to see if one of these options fits your needs, contact us today!

What is a CU Promise & CU Advantage Loan?

The CU Promise loan is a unique loan program that offers some additional guarantees, in addition to great terms and rates on new purchases where the CU Advantage loan offers the same on refinances. You will receive guaranteed same-day loan decision, guaranteed closing date, and guaranteed local servicing. We are able to offer the CU Promise loan due to our partnership with CUSO Mortgage Corp. CUSO is a licensed mortgage company owned by Maine credit unions.

How much do I qualify for?

Our mortgage team will need to gather some information from you to see what amount you would qualify for. Give us a call at 207-282-6169 to discuss!

What are your mortgage rates?

Mortgage rates change daily. Please contact us at 207-282-6169 to get our most recent rates!

What It’s Like When Your Credit Union Cares

Financial Confidence

We are here to listen to your goals, needs, and struggles and then make recommendations for you that won’t break the bank!

Convenience

Banking should be easy! With three branches and online and mobile apps, we try to make banking easy and convenient for you.

Family

Sometimes life throws us a curve-ball and we need help. Saco Valley is your financial family. We want to help and will often have the tough conversations needed to help you get through a tough time.