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Simpler living with USDA home loans.

Ready to plant your roots in rural homeownership? A USDA loan could be right if you're yearning for a more laid-back, small-town way of life.
The possibility of rural homeownership awaits with a USDA Home Loan. Offered by the U.S. Department of Agriculture (USDA),  this unique housing loan program promotes the growth of underdeveloped areas. With customized financing options and appealing terms, these government-backed mortgage loans can be easier to qualify for than conventional loans. Our mortgage professionals are here to help streamline USDA loan applications so you can successfully purchase your dream rural home. 
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Apply now about <p>Simpler living with USDA home loans.</p> View rates about <p>Simpler living with USDA home loans.</p>
Benefits of USDA Home Loans - Los Angeles, California, United States

Benefits of USDA Home Loans

USDA Loans offer more accessible membership opportunities for individuals and families meeting specific income and property criteria in eligible areas. Qualified homebuyers who have found a USDA-eligible property can:

  • Buy with a down payment as low as 0% 
  • Have a less-than-perfect credit score 
  • Fold closing and finance costs into their loan 
  • Pay a lower-than-market interest rate 
  • Get private mortgage insurance (PMI) for just 0.35% annually 
Become a member-owner about Benefits of USDA Home Loans Apply now about Benefits of USDA Home Loans

Low USDA loan rates

USDA loans typically have a mortgage rate that outshines current interest rates. 
Apply Now Learn more about Low USDA loan rates
Fixed USDA loan rates

Fixed USDA loan rates

Enjoy the stability of a low fixed rate that doesn't change during your loan duration.
Adjustable-rate loans

Adjustable-rate loans

Adjustable rates do not apply to USDA loans, but if you are interested in this loan feature, a VA or FHA loan could be right for you.
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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 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

    Content: 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 66219 

      

    Mortgage payments may be sent via U.S. mail to: 

      

    University Credit Union/TruHome  
    PO Box 219958  
    Kansas City, MO 64121-9958 

      

    Contact 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

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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.

FHA loans

If you're a first-time or low-income homebuyer, an FHA loan can help you obtain a mortgage for your home even if you have limited resources or less-than-perfect credit.
Learn more about FHA loans

VA loans

Are you an active service member, veteran, or surviving spouse? You could qualify for a VA loan with no down payment and no private mortgage insurance (PMI) requirement.
Learn more about VA loans

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