
Fixed-rate mortgages deliver homeowner potential

Benefits of a fixed-rate mortgage
- Competitive interest rates
- Flexible term lengths (ranging from 10-30 years)
- Conforming loans for amounts up to $647,200
- Jumbo or high-interest loans for amounts $1 over national conforming loan limits
- Predictable mortgage payments for greater peace of mind
Fixed-rate mortgage loans
Choose your loan term
Tailor your mortgage to your needs with flexible loan terms ranging from 10 to 30 years. Choose a shorter loan term to save thousands in interest or a longer loan term for lower monthly payments.
- 10 year
- 15 year
- 20 year
- 25 year
- 30 year
Mortgage loan originator and servicer information
- Mortgage loan originator information about 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 following 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 regarding mortgage loan originators at no charge 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 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
Frequently asked questions
- What are UCU fixed-rate mortgages? Click On What are UCU fixed-rate mortgages? A fixed-rate mortgage has an interest rate locked in. This means your monthly payment stays the same every month unless you refinance. With a highly competitive interest rate, fixed-rate mortgages make homebuying more affordable. Learn more
- How do I apply for a UCU fixed-rate mortgage? Click On How do I apply for a UCU fixed-rate mortgage? Applying for a fixed-rate mortgage at UCU is easy. Our online application portal is designed to walk you through the process and help you submit all the necessary documents. Start your home loan application today. Learn more
- What can I expect to pay with a UCU fixed-rate mortgage? Click On What can I expect to pay with a UCU fixed-rate mortgage? How much home you can afford depends on several factors. Your down payment can vary from 0% to 20% or more, and your debt-to-income ratio will affect your approved mortgage amount. Calculate your costs and increase your homebuying knowledge with our helpful tips and tools. Learn more
- Can veterans get a UCU fixed-rate mortgage? Click On Can veterans get a UCU fixed-rate mortgage? UCU offers VA loans with a fixed interest rate for veterans, active military service members, and some spouses. Unlock a $0 down payment and no private mortgage insurance requirement. Learn more
- What is the main advantage of a fixed-rate mortgage over an adjustable-rate mortgage? Click On What is the main advantage of a fixed-rate mortgage over an adjustable-rate mortgage?
With an adjustable-rate mortgage, your interest rate changes over time, which means your monthly payment can change. A fixed-rate mortgage gives you the stability of knowing your monthly payment and being able to estimate your monthly budget. Learn more