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UC San Diego’s official mortgage lender.
Whether you’re buying your first home, refinancing for flexibility, or upgrading the one you already own, University Credit Union (UCU) is proud to be the official mortgage lender for Tritons.
Find your financial fit.
Every homebuying journey is unique. That’s why UCU offers a wide range of home loans and financing products to help you reach your goals. Not sure which option is right for you? Schedule a free virtual consultation with one of our certified experts to find the best fit.
Fixed-rate mortgage
Lock in a rate to make managing your budget easier with consistent monthly payments according to a loan term that you choose.
Adjustable-rate mortgage
This loan offers a more flexible approach with a lower interest rate upfront, providing an adaptable, cost-effective mortgage solution.
FHA loans
Backed by the U.S. government, FHA loans typically have a lower down payment, making them ideal for first-time homebuyers.
Home loan refinance
Circumstances change and so can mortgages. Refinancing your mortgage can help put you back on the path to financial wellness.
USDA loans
For those looking to live in a less developed area, consider a zero down payment using a government-backed USDA loan.
VA loans
Service members, veterans, and surviving spouses can all benefit from VA loans, which often require a $0 down payment.
Tritons, invest in your future by partnering with UCU:
Owning a home is one of the best investments you can make. With a home loan from UCU, you can achieve your homeownership goals while building equity and long‑term financial security.
- Free mortgage consultations with our team of experts.
- Simple online application you can complete from home.
- Competitive rates with flexible terms that work with your budget.
- Access your home’s equity with a HELOC
Make your homebuying journey a rewarding experience.
UCU’s Home Rewards Program helps members through the home buying and selling process by connecting them with a knowledgeable loan officer and a trusted local real estate professional. Together, they provide expert guidance every step of the way while delivering significant savings.
Looking to maximize your current home’s equity?
Special introductory rate:
5.99% APR* for the first 12 months
Turn your home's equity into opportunity with a low-rate HELOC. A revolving line of credit can help whether you're planning your dream renovation, consolidating debt, funding your education, or investing in your future.
We’re here to help!
UCU is the only credit union where nearly every team member is a Certified Credit Union Financial Counselor (CCUFC). That means whenever you bank with us, be it online, in person, or on campus, you’re getting real support from someone trained to help you reach your financial goals.
UCU gives Tritons a financial advantage.
UCU is proud to be the official banking partner for the UC San Diego community serving students, faculty, staff, alumni, and their families with a competitive suite of financial products—including high‑yield checking, top‑tier digital banking, diverse loan options, and expert support right on campus.
Additional information about UCU mortgage loans:
- 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
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 66219Mortgage payments may be sent via U.S. mail to:
University Credit Union/TruHome
PO Box 219958
Kansas City, MO 64121-9958Contact TruHome by phone during business hours at:
855.699.5946
5 am – 6 pm PST Monday–Friday, 6 am – 11 am PST Saturday
*APR = Annual Percentage Rate. Introductory rate good for 12 months from date of closing. Introductory loan rates apply to new loans or loans from other financial institutions and are not intended for refinancing of existing University Credit Union loans, nor are they available as a concurrent loan with a home purchase. Rate may change based on the index which is the Prime Rate as regularly published in the “Money Rates Table” of the Wall Street Journal. Interest-only payments apply to Home Equity Lines of Credit with a maximum 80% combined loan-to-value and during draw period only. Minimum Credit Limit $25,000. The current index for this quarter as of 12/11/2025 is 6.75%. Corresponding variable APRs range from 6.25% to 17.74%. Rate is subject to change quarterly. The minimum payment during the draw period is equal to the finance charges (interest) that accrued on the outstanding balance during the preceding billing period. Third-party closing cost are applicable and range from $700.00 to $2,500.00, depending on the loan amount and lien position. No Annual or Advanced Fees charged on HELOCs. All loans listed are available on primary member residences (single-family, owner-occupied detached dwellings, condos, or townhouses). Some restrictions may apply. Rates are subject to change without notice. Loans issued subject to credit review.