Affordable home loans from University Credit Union
It's time to make your move. Secure your dream house with help from our home loan experts. At University Credit Union, we offer options to fit almost every budget, making navigating the home loan process effortless!
Whether you're a first-time buyer, a repeat homeowner looking to refinance, or seeking a HELOC to finance a home renovation, wedding, or dream vacation, we can help. Our member-owners enjoy competitive interest rates and a diverse range of home loan options. Join UCU today and find the loan that's right for you.
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Benefits of home loans
There is no better investment than buying a home of your very own. Discover how a home loan from UCU can help you achieve your homeownership goals while building equity and financial security.
- Free mortgage consultations with our knowledgeable team of mortgage experts
- Easy online application that you can complete from home A variety of home loan options, including FHA, USDA, or VA loans
- Competitive fixed and variable interest rates
- Flexible loan terms for low monthly payments or fast payoff
- The ability to tap into your existing home's equity with a HELOC
- Refinancing options for a lower interest rate or monthly payment
Types of home loans
Choose a fixed rate for stability
Enjoy consistent monthly payments with a fixed-rate mortgage. Keep your finances predictable and stable throughout the life of your loan.
Learn more about Choose a fixed rate for stability Fixed-rate mortgage
First-time buyers: consider FHA loans
Backed by the U.S. government, FHA loans typically have a lower down payment than traditional mortgages, making them ideal for first-time homebuyers.
Learn more about First-time buyers: consider FHA loans FHA Loans
VA loans for servicemembers and veterans
Service members, veterans, and surviving spouses can all benefit from VA loans, which often require a $0 down payment and let you take advantage of your military entitlement.
Learn more about VA loans for servicemembers and veterans VA Loans
Enjoy rural life with USDA loans
For those looking to live in a rural or underdeveloped area, you could buy a new home with zero down payment using a government-backed USDA loan.
Learn more about Enjoy rural life with USDA loans USDA Loans
Home loan refinance
Are you stuck paying higher interest rates? Refinancing for a lower rate could help save you thousands over the life of your loan.
Learn more about Home loan refinance Home loan refinance
HELOCs: Tap into your home equity
You've built up equity in your home-- now it's time to put it to work for you. Whether you're renovating your house, funding your dream vacation, or investing in your education, a home equity line of credit can make it happen. With UCU's HELOC journey, member-owners can obtain funds within 15 days.
Learn more about HELOCs: Tap into your home equity Home Equity Line of Credit (HELOC)
- Mortgage Loan Originator Information about Mortgage Loan Originator Information
Mortgage Loan Originator Information
Content: 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
- 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
Under the SAFE Act, consumers can access information at no charge regarding mortgage loan originators via www.nmlsconsumeraccess.org.
- Mortgage Loan Servicing Information about 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 US mail to:
University Credit Union/TruHome
Member Service Department
9601 Legler Rd.
Lenexa, KS 66219Mortgage payments may be sent via US mail to:
University Credit Union/TruHome
PO Box 219958
Kansas City, MO 64121-9958Contact TruHome by phone during business hours at: 855.699.5946
Frequently asked questions
Need more information?
- How can I get approved for a home loan through University Credit Union? Click On How can I get approved for a home loan through University Credit Union?
Getting approved for a home loan requires a financial background supporting your ability to fulfill your monthly loan payment requirements. We make the process easy for member-owners-- apply online today.
- How can I improve my chances of qualifying for a home loan? Click On How can I improve my chances of qualifying for a home loan? To increase your chances of qualifying for a home loan, focus on improving your credit score, saving for a larger down payment, paying off debts, or increasing your income for a better debt-to-income ratio. University Credit Union mortgage originators can help.
Learn More - Which loan is best for first-time homebuyers? Click On Which loan is best for first-time homebuyers?
Limited financial resources are common among first-time homebuyers. Loans backed by Government entities, like FHA, VA, and USDA loans are often the best choice. Book a free mortgage consultation with a home loan expert at University Credit Union today.
- How do home loans work? Click On How do home loans work? UCU allows you to finance the purchase of a home by loaning you the total cost of the property. Borrowers make a down payment and then repay the loan over time with interest. Your interest rate will impact the total cost of your loan. Get a rate quote from University Credit Union.
Learn More - What is a HELOC? Click On What is a HELOC? A home equity line of credit (HELOC) lets you borrow against the equity in your home and repay it on a revolving basis. University Credit Union offers great interest rates on HELOCs, along with two HELOC repayment options (10-year draw/15-year repayment or 10-year draw/20-year repayment).
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Explore UCU’s latest resources
Calculators
UCU provides a broad range of financial tools for our member-owners, including calculators that can help you budget and plan your finances.
Learn more about Calculators 
Learning Center
Our financial resources center includes plenty of easy-to-use, interactive, and dynamic learning tools to help you better manage your own money. Start learning today.
Learn more about Learning Center 
Helpful Forms
We're committed to convenience. Our forms make life easier and smarter for our member-owners. Find direct deposit and canceled payment forms to ACH and wire transfer forms, and everything in between.
Learn more about Helpful Forms 
Mortgage rates
Save more, spend less, and secure some of the best home loan rates in the nation as a member-owner of University Credit Union. Get a free rate quote today.
Learn more about Save more, spend less, and secure some of the best home loan rates in the nation as a member-owner of University Credit Union. Get a free rate quote today.Giving our University Communities a financial advantage
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, The Big West Universities, Western Athletic Conference Universities, Southland Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, The Big West Universities, Western Athletic Conference Universities, Southland Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking.
Credit Cards
You deserve a range of credit options to meet your unique needs—plus competitive rates and unmatched service. Explore our secured, unsecured, Rewards and Cash-Back credit cards, and apply for one today.
Learn more about Credit Cards University Checking Account
Our University Checking Account lets you bank in-person or digitally with seamless support and reliable service. You'll also have the chance to earn extra dividends on your checking account balance the more you bank with UCU.
Learn more about University Checking Account Find a location near you
You're covered from coast to coast with 30,000 surcharge free CO-OP ATMs and 5,000+ shared branches