Predictable payments for greater peace of mind.

Our fixed rate mortgages are rock-solid. Your rate is protected from rising interest rates, so you get a stress-free mortgage and more time to spend with the ones you love.

Pick the term that's right for you

  • 10 years*: Pay it off fast and retire early.
  • 15 years*: Push harder, finish sooner, feel better.
  • 30 years*: Perfect for the long haul.

S.A.F.E. (Secure and Fair Enforcement) for Mortgage Licensing Act

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 S.A.F.E. Act.

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

  • Estela Nagahashi – NMLS ID #1699957
  • Franklin Young – NMLS ID #424413
  • Michelle Pacheco – NMLS ID #662822
  • Johanes Angkadjaja – NMLS ID #1411033
  • Sheree Reid – NMLS ID #485777
  • Jennifer Leon – NMLS ID #1519527

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
Attn: Real Estate Department
1500 S. Sepulveda Blvd.
Los Angeles, CA 90025

Want to save even more? Receive a 25% rebate in real estate commissions** when you buy (or sell) a home using realty agencies within our Home Benefits Plus program. Apply for a Fixed Rate Mortgage online or contact us with any questions.

Member Testimonial

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

- Glenn A.