SmartChoice Mortgage

Scient’s SmartChoice Mortgage offers a low rate and short-term, allowing you to pay off your mortgage faster than traditional mortgages.

With our SmartChoice Mortgage, you get:

  • Variety of terms available
  • Fixed rate
  • Available for purchase or refinance
  • Pay off your mortgage and build equity faster
  • Up to 80% loan to value

Lock in a 12-year fixed rate with rates as low as 3.49/3.516% APR*.

Plus, the $450 origination fee will be waived.

*APR = Annual Percentage Rate. APR may be higher due to per diem interest. For example, a $250,000, 12 year fixed loan at 3.49% will have a principal and interest payment of $2,127.44 and APR of 3.516% (assuming 15 days of interest at $24.24/day = $363.60 of per diem interest). Up to 80% LTV for qualified loan. Minimum loan amount is $25,000. Maximum loan amount is $484,350. Primary Residence only. First Lien Position only. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply. Rates, terms and conditions are subject to change. See credit union for further details. This credit union is federally insured by the National Credit Union Administration and is an Equal Housing Lender.

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