A mortgage refinance that could change everything
Circumstances change, and so can mortgages. Refinancing your mortgage can put you back on the path to financial wellness by significantly reduce your total interest if you bought your home with a high interest rate.
Refinancing your mortgage with University Credit Union allows you to save on your monthly payment. Take advantage of our low home loan rates.
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Benefits of refinancing your mortgage
Rethink your mortgage, reimagine your future. Whether you've owned your home for just a few years or a few decades, a home refinance can set you up for future financial success.
- Change the term of your loan based on your current situation
- Lock in a rate that is better for your wallet
- Access extra cash if needed for financial flexibility
- Eliminate stress over high mortgage payments
Mortgage refinance rates
A mortgage refinance could improve the terms of your home loan, paving the way to financial freedom.
Fixed-rate mortgages
Refinance from a variable to a fixed interest rate to enjoy predictable monthly mortgage payments.
Adjustable-rate mortgages
Refinance from a fixed interest rate to a variable rate to unlock monthly payments
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
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- What is a mortgage refinance? Click On What is a mortgage refinance? UCU offers several mortgage refinance options to homeowners who want to save money. A refinance takes your current loan balance and creates a new loan, which can have a different monthly payment and/or a new interest rate. Learn more
- How does a mortgage refinance work? Click On How does a mortgage refinance work? The balance on your original loan is treated as the new loan principal. Refinance into a shorter loan term to save on interest or a longer term for a lower monthly payment. Use our comparison matrix to compare your savings. Learn more
- Should I refinance my variable-rate mortgage into a fixed-rate mortgage? Click On Should I refinance my variable-rate mortgage into a fixed-rate mortgage? If you initially financed your home at a low interest rate but the rate has since risen, refinancing into a fixed-rate mortgage can save you a lot of money in interest and provide peace of mind with predictable payments. Learn more
- Should I refinance my FHA Loan into a standard home loan? Click On Should I refinance my FHA Loan into a standard home loan? FHA Loans make it easy for first-time and low-resource homebuyers to own their homes. However, private mortgage insurance is required for FHA loans. Refinancing after you’ve built up some home equity allows you to drop this requirement and save. Learn more
- Will I have to pay a penalty for refinancing my home? Click On Will I have to pay a penalty for refinancing my home? UCU doesn’t charge a penalty for refinancing. However, specific loan origination fees and other costs may apply. Using our handy tools, ensure the math makes sense and that refinancing aligns with your financial wellness goals. Learn more
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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, 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.
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