Open the door to homeownership.

We offer a variety of mortgages designed to help you get into a home with a lower down payment.

A great option if you don't have the cash for a large down payment. And you can choose from various terms with fixed or adjustable rates.


  • Allows you to purchase a home when you have limited resources
  • Ideal for qualified first-time home buyers
  • Mortgage insurance required

We support our military with special VA Loans that are tailored to make homeownership more attainable for those who serve and their families.

  • Choose from various term options and fixed or adjustable rates
  • Enjoy lower monthly payments because you won't need to pay mortgage insurance
  • Get 100% financing with no down payment requirements

The United States Department of Agriculture (USDA) offers special loans for rural areas. With this loan, you qualify for lower monthly payments and no down payment.

  • Available as a 30-year option* with a fixed rate
  • Finance 100% of your home with no down payment requirement
  • No mortgage insurance means you have lower monthly payments
  • The loan's income eligibility cap varies by community


The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS).

Each employee of a credit union who acts as a mortgage loan originator must register with the Registry, obtain a unique identifier, and maintain this registration in accordance with the requirements of the SAFE Act.

Below are the registered mortgage loan originators of University Credit Union, NMLS #409731.


  • Merisa Gates –  NMLS ID #188870
  • Estela Nagahashi – NMLS ID #1699957
  • Miguel Olivares – NMLS ID #2068660
  • Michelle Pacheco – NMLS ID #662822
  • Britini Pender – NMLS ID #694308
  • Sheri Sicka – NMLS ID #809498
  • Elizabeth Torres – NMLS ID #1757889
  • David L. Tuyo II – NMLS ID #1152000

One of the objectives of the SAFE Act is to provide consumers with easily accessible information at no charge regarding mortgage loan originators. You may access information at



Request for information related to an existing mortgage loan, or request for resolution of an error or errors in connection with an existing mortgage loan must be made in writing and forwarded via the U.S. mail to the following address:


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


Mortgage payments sent via U.S. mail should be addressed to:


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


Contact TruHome:

5 a.m. – 6 p.m. PST Monday–Friday, 6 a.m. – 11 a.m. PST Saturday


Member Testimonial

"UCU has helped me finance all the cars I have owned throughout my life. They treat me like family."

- Glenn A.