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Mini Mortgages

Your home loan, made mini

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A mini mortgage is a fixed rate UCCU home equity loan that can be used to refinance your mortgage loan with NO CLOSING FEES* so you can get your home paid off sooner!

You’ve got questions.
We’ve got answers.

(801) 223-7650 | [email protected]
or send us a secure message from within online & mobile banking.

Available M–F 8am–6pm, and Sat. 9am–2pm

Let’s mini your mortgage

A UCCU Mini Mortgage is a unique way to refinance your home that comes with no fees, no closing costs, and lots of flexibility. 

For example, you may be able to lower your interest rate, open a line of credit that gives you ongoing access to your home’s equity, and accelerate your payoff–all in one loan!

How does it work? A UCCU Mini Mortgage is actually a Home Equity Line of Credit that is used to pay off your mortgage loan with no fees, and it also keeps the line of credit open for any of life’s big expenses. 

Best part is UCCU Mini Mortgages are fast and can be done 100% online, or over the phone, or in any of our branch locations.

Get started today!


Additional home loan options:

Providing Low Rates Is Our Highest Priority

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(801) 223-8188
Mon – Fri: 8:00am – 6:00pm
Sat: 9:00am – 2:00pm

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[email protected]
or send us a message from inside online banking.

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Financing is subject to UCCU membership and underwriting criteria. Not every applicant will qualify. Property insurance is required. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Draw period extensions: pending underwriting review. No fees or closing costs: appraisal, title, and insurance fee reimbursement required if paid off and closed within 24 months of funding date. Rate inflation protection: UCCU protects you against drastic rate fluctuations in the market by not allowing your rate to increase more than 0.25% per quarter (3 months) and no more than 6.00% above the non-discounted rate over the life of the loan. The maximum APR that can apply is 18.00% or maximum permitted by law, whichever is less. However, under no circumstances will your APR go below the minimum 3.49% at any time during the term of the plan except when an introductory rate applies. The APR can change monthly on the first day of the month. Minimum home equity line of credit: $10,000. Up to 90% combined loan-to-value (CLTV): the maximum CLTV up to 90% varies upon borrower’s credit score, requested loan amount, and balances of mortgage (or any superior liens on the property). Rates, terms, and programs are subject to change and without notice. Equal housing lender. NMLS # 407653. Federally insured by NCUA.

Mini Mortgage Fixed Rate 5 Year (Home Equity Line of Credit)

*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 3.49% variable APR (Prime + 0.24%). For loans greater than 80% LTV (loan-to-value) the variable APR is 4.49% (Prime + 1.24%). Property insurance is required. Interest rate will not vary above 18.00% or below 3.49%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Appraisal, title, and insurance fee reimbursement required if paid off and closed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.

Mini Mortgage Fixed Rate 10 Year (Home Equity Line of Credit)

*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 4.24% variable APR (Prime + 0.99%). For loans greater than 80% LTV (loan-to-value) the variable APR is 5.49% (Prime + 2.24%). Property insurance is required. Interest rate will not vary above 18.00% or below 4.24%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Appraisal, title, and insurance fee reimbursement required if paid off and closed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.