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Affordable home loans from University Credit Union - Los Angeles, California, United States

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 - Los Angeles, California, United States

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 
Apply now about Benefits of home loans Contact us about Benefits of home loans

Types of home loans

Choose a fixed rate for stability - Los Angeles, California, United States

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

FHA Loans - Los Angeles, California, United States

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 - Los Angeles, California, United States

VA loans for service members 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.

VA Loans

USDA Loans - Los Angeles, California, United States

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 - Los Angeles, California, United States

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

Home Equity Line of Credit - Los Angeles, California, United States

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)

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    • 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

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    Explore UCU’s latest resources

    Calculators

    Calculators

    UCU provides a broad range of financial tools for our member-owners, including calculators that can help you budget and plan your finances.
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    Learning Center

    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 More about Learning Center
    Helpful Forms

    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 More about Helpful Forms
    Mortgage rates - Los Angeles, California, United States

    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, 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.

    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
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