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Affordable home loans from University Credit Union

It's time to make your move. Secure your dream house with help from our home loan experts. At University Credit Union, we offer options to fit almost every budget, making navigating the home loan process effortless!
Whether you're a first-time buyer, a repeat homeowner looking to refinance, or seeking a HELOC to finance a home renovation, wedding, or dream vacation, we can help. Our member-owners enjoy competitive interest rates and a diverse range of home loan options. Join UCU today and find the loan that's right for you.
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Types of home loans

Fixed rate mortgage icon

Fixed-Rate Mortgages

Choose a fixed rate for stability. Enjoy consistent monthly payments with a fixed-rate mortgage. Keep your finances predictable and stable throughout the life of your loan.

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Fixed-Rate Mortgages
ARM icon

Adjustable-Rate Mortgages (ARMs)

An ARM offers a more flexible approach when compared with traditional fixed-rate mortgages. Choose a shorter loan term to save on interest or a longer loan term for lower monthly payments. 

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Adjustable-Rate Mortgages (ARMs)
Mortgage refinance icon

Mortgage Refinance

Are you stuck paying higher interest rates? Refinancing for a lower rate could help save you thousands over the life of your loan.

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Mortgage Refinance
HELOC icon

Home Equity Line of Credit (HELOCs)

You've built up equity in your home, now it's time to put it to work for you. Whether you're renovating your house, funding your dream vacation, or investing in your education, a HELOC can make it happen.

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Home Equity Line of Credit (HELOCs)
FHA loan icon

FHA Loans

Backed by the U.S. government, FHA loans typically have a lower down payment than traditional mortgages, making them ideal for first-time homebuyers.

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FHA Loans
VA loan icon

VA Loans

Service members, veterans, and surviving spouses can all benefit from VA loans, which often require a $0 down payment and let you take advantage of your military entitlement.

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VA Loans
USDA loan

USDA Loans

For those looking to live in a rural or underdeveloped area, you could buy a new home with zero down payment using a government-backed USDA loan.

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USDA Loans
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Benefits of home loans

There is no better investment than buying a home of your very own. Discover how a home loan from UCU can help you achieve your homeownership goals while building equity and financial security.

  • Free mortgage consultations with our knowledgeable team of mortgage experts 
  • Easy online application that you can complete from home   
  • Competitive fixed and variable interest rates 
  • Flexible loan terms for low monthly payments or fast payoff  
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  • Mortgage Loan Originator Information about Mortgage Loan Originator Information

    The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions as well as employees who act as mortgage loan originators to register with the Nationwide Mortgage Licensing System & Registry (NMLS), obtain a unique identifier, and maintain their registration in accordance with the requirements of the SAFE Act. 

     

    University Credit Union’s registration is NMLS #409731, and our individual originators’ names and registrations are as follows: 

    • Merisa Gates – NMLS ID #188870 
    • Estela Nagahashi – NMLS ID #1699957 
    • Britini Pender – NMLS ID #694308 
    • Frank Perez – NMLS ID #2063520
    • Sheri Sicka – NMLS ID #809498 
    • Elizabeth Torres – NMLS ID #1757889 

     

    Under the SAFE Act, consumers have easy access to information at no charge regarding mortgage loan originators via www.nmlsconsumeraccess.org.

  • Mortgage Loan Servicing Information about Mortgage Loan Servicing Information

    Requests for information related to or resolution of an error or errors in connection with an existing mortgage loan must be made in writing via the U.S. mail to:

    University Credit Union/TruHome 
    Member Service Department 
    9601 Legler Rd. 
    Lenexa, KS 66219 

      

    Mortgage payments may be sent via U.S. mail to: 

    University Credit Union/TruHome 
    PO Box 219958 
    Kansas City, MO 64121-9958 

      

    Contact TruHome by phone during business hours at: 

    855.699.5946 
    5 am – 6 pm PST Monday–Friday, 6 am – 11 am PST Saturday 

Frequently asked questions

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Explore UCU’s latest resources

Calculators

Calculators

UCU provides a broad range of financial tools for our member-owners, including calculators that can help you budget and plan your finances.
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Learning Center

Learning Center

Our financial resources center includes plenty of easy-to-use, interactive, and dynamic learning tools to help you better manage your own money. Start learning today.
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Helpful Forms

Helpful Forms

We're committed to convenience. Our forms make life easier and smarter for our member-owners. Find direct deposit and canceled payment forms to ACH and wire transfer forms, and everything in between. 
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Giving our University Communities a financial advantage
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.

Credit Cards

You deserve a range of credit options to meet your unique needs—plus competitive rates and unmatched service. Explore our secured, unsecured, Rewards and Cash-Back credit cards, and apply for one today.

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University Checking Account

Our University Checking Account lets you bank in-person or digitally with seamless support and reliable service. You'll also have the chance to earn extra dividends on your checking account balance the more you bank with UCU.

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Find a location near you

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