1-800-639-2206
Home Banking

Fixed Rate Mortgages

Seaboard Federal Credit Union is pleased to offer Fixed Rate Mortgage Loans. We are proud to offer local decisions and servicing.

These loans may be secured by a mortgage on your primary residence, second home, camp or seasonal property, or raw land. Check with your accountant to determine tax-deductibility. Proceeds may be used for home purchases, refinance transactions, cash-out refinance transactions, and home construction. Stick-built homes, as well as manufactured homes on your land, qualify for these programs. The property must be located in Maine to qualify.

Contact Seaboard today for more information on applying for a mortgage.

Fixed Rate Mortgages – Secured by your primary residence

  • 10 Year, 15 Year, 20 Year, and 30 Year terms are available.
  • You may finance up to 80% of the home’s value without Private Mortgage Insurance.
  • You may finance up to 90% of the home’s value with Private Mortgage Insurance.

Click for Primary Residence Rates.

Fixed Rate Mortgages – Secured by Mobile Home and Land

  • 10 Year, 15 Year, 20 Year, and 30 Year terms are available.
  • You may finance up to 80% of the home’s value.
  • The home must be 15 years old or less at time of application to qualify.

Click for Primary Residence Rates.

Fixed Rate Mortgages – Secured by your secondary residence

  • 15 Year maximum term.
  • You may finance up to 80% of the home’s value.

Click for Secondary Residence Rates.

Fixed Rate Mortgages – Secured by a Camp or Seasonal Property

  • 15 Year maximum term for purchase transactions.
  • 20 Year maximum term for refinance transactions.
  • You may finance up to 80% of the home’s value.

Click for Camp/Seasonal Property Rates.

Fixed Rate Mortgages – Secured by Land

  • 15 Year maximum term.
  • You may finance up to 80% of the property’s value.

Click for Land Rates.

Construction Loans

  • 15 Year, 20 Year, and 30 Year terms are available.
  • Single closing convenience!
  • We will finance up to 80% of the home’s value, as completed.
  • You may function as your own general contractor.
  • You need to provide us with plans, materials list, and disbursement schedule.


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