Mortgages & Home Loans

From the #1 Mortgage Provider in our community.

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Are you looking to:

Buy a Home?

See our mortgage options

First-time Homebuyer, Down payment assistant, and additional programs.

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Access your Homes Equity?

See our HELOC options

Fixed. Variable. Second Mortgages.

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Build a Home?

See our construction options

One-time close. Two-time close. Lot/Land Loans.

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Refinance your Home?

See our refinancing options

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Your Homeownership Journey Starts Here

We understand that a home is more than just a place to live; it’s a cornerstone of your life. That’s why we’re dedicated to providing a comprehensive and personalized mortgage experience. We’re not just a lender; we’re your partner in achieving your homeownership dreams.

Why Choose UCCU for Your Mortgage?

We know you have a lot of choices when it comes to a mortgage. Here’s what makes us different:

• A Loan for Every Need: We offer a wide range of traditional mortgage products to fit your unique situation. Whether you’re a first-time homebuyer or a seasoned investor, we have a solution for you
• Exclusive UCCU Products: We’re proud to offer a number of exclusive products that you won’t find anywhere else. Our First-Time Homebuyer Program is designed to help you navigate the complexities of buying your first home, with grants, down payment assistance, and expert guidance.
• Beyond the Basics: We understand that not everyone fits into a traditional lending box. That’s why we offer Non-QM loans and other flexible solutions. If you’ve been turned down by other lenders, don’t give up. We’re committed to finding a creative solution that works for you.
• Construction Loans: Building your dream home? We can help with that too. We offer both one-time and two-time close construction loans, as well as lot and land loans to help you get started.
• Refinance and Home Equity: Want to get more from your investment? We can help you refinance your mortgage to a lower rate or tap into your home’s equity with a Home Equity Line of Credit (HELOC). We offer both fixed and variable rate options, as well as second mortgages, to help you achieve your financial goals, whether that’s consolidating debt, making home improvements, or having an emergency line of credit.
• Personalized Guidance from Local Experts: When you work with UCCU, you’re not just a number. You’ll have a dedicated loan officer who will walk you through every step of the process, from application to closing. Our team of local experts is always here to answer your questions and provide the guidance you need to make informed decisions. We also offer free home buying seminars to help you feel confident and prepared.

Ready to Get Started?

Your journey to homeownership starts with a conversation. Contact us today to speak with one of our friendly and knowledgeable loan officers. We’ll take the time to understand your goals and help you find the perfect mortgage for your needs.

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Providing Low Rates is Our Highest Priority