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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
- 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 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
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 about Mortgage Loan Servicing Information
There are two ways to send a P2P payment:
Email address: Your contact will receive an email with instructions on how to direct the payment into their bank account.
Mobile number: A text message will be sent to the recipient with instructions on how to direct the payment into their bank account.
Frequently asked questions
- 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? 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?
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? 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? 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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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, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic 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.
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.