Your life changes. Your needs change. So can your mortgage.


Life happens, but your home is a constant. By refinancing your mortgage with us,  you can save on your monthly payment and take advantage of our low rates.


  • Lock in a rate that fits your current needs
  • A great option to access cash for financial flexibility
  • Change the term of your loan based on your current situation


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


Apply now and see how we can help you save.

Member Testimonial

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

- Glenn A.