Ready to buy a home? Refinance for a lower rate? Tap into your equity with a HELOC? Make your move with University Credit Union. Our mortgages offer the flexibility and support you need to find your perfect home.


  • Easy online application
  • Competitive fixed and variable interest rates
  • Flexible loan terms
  • Choose from an FHA, USDA or VA loans

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Home Loan Programs

Fixed-rate Mortgages

A fixed-rate mortgage gives you predictable payments for greater peace of mind. Your rate is protected from rising interest rates so you can have a set budget for your mortgage.

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FHA Loans

The Federal Housing Administration backs the FHA loan. If you don’t have the cash for a large down payment, this is an excellent option because the minimum down payment percentage is lower than a conventional mortgage. We highly recommend this loan for first-time homebuyers.

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VA Loans

If you’re a member of the military, take advantage of a VA Loan backed by the Department of Veteran Affairs. The VA Loan is designed to make homeownership more attainable for you and your family. Choose from fixed or adjustable rates without paying mortgage insurance or making a down payment.

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USDA Loans

The United States Department of Agriculture (USDA) offers a special loan for home purchases in rural areas. With a USDA loan you can qualify for lower monthly payments and no down payment.

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Home Loan Refinance

As your life changes, your mortgage needs might as well. You can refinance your mortgage with us and save on your monthly payment while taking advantage of low interest rates.

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Home Equity Line of Credit (HELOC)

If you have equity in your home, you can tap into your home’s equity and make it work for you. Borrow up to 80% of your home’s equity with a $25,000 minimum loan amount and pay no annual fees.

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Frequently Asked Questions About Home Loans


Purchasing a new home is exciting, but it can feel overwhelming. That’s why our mortgage team is available to help you navigate through the process with ease. Here are some frequently asked questions we receive about getting an auto loan.


How can I get approved for a home loan?

Getting approved for a home loan requires you to have a financial background that supports your ability to fulfill your monthly loan payment requirements. Here are a few steps you can take to help increase the odds that you’ll be approved for a home loan.


  • Increase your credit score
  • Make a larger down payment
  • Reduce your debt-to-income ratio by paying off your debt and/or increasing your income


Which loan is best for first time home buyers?

The best loan for first time home buyers is often a loan that requires a low down payment or no down payment. To determine the best mortgage option for your specific needs or to ask a question, get in touch with the UCU mortgage team.


How do home loans work?

A home loan lets you borrow the funds needed to purchase your home. Your monthly mortgage payment includes the cost of the house, interest, private mortgage insurance if applicable and other relevant fees.

If your question isn’t answered above, contact us. A member of our mortgage team will be glad to help you.