
VA Home Loans for Military Heroes

Benefits of VA home loans
With our VA Home Loan, your dream home could be yours sooner than you think! When you opt for a credit union VA loan, you can enjoy:
- Down payment expectations as low as 0%
- Highly competitive interest rates
- Lower closing costs than with traditional loans
- No private mortgage insurance (PMI) mandate
- Flexible credit score and debt-to-income ratio requirements
- A loan that is transferable to another veteran if necessary
Enjoy low VA loan rates
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
- David L. Tuyo II - NMLS ID #1152000
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 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
- How does a VA home loan work? Click On How does a VA home loan work? VA home loans are backed by the U.S. Department of Veterans Affairs (VA). The VA encourages lenders like UCU to finance homes for service-members, veterans, and surviving spouses. Apply for a VA home loan with University Credit Union for a potential 0% down payment and competitive interest rates.
- How can I apply for a VA loan through University Credit Union? Click On How can I apply for a VA loan through University Credit Union?
Before you apply for a VA loan, you must first obtain your Certificate of Eligibility from the U.S. Department of Veterans Affairs (VA). Then, you can begin your loan application.
- How do I qualify for a VA loan? Click On How do I qualify for a VA loan? To qualify for a VA home loan, you must be an active service-member, veteran, or qualifying surviving spouse. You can request a Certificate of Eligibility from the U.S. Department of Veterans Affairs (VA) to find out if you’re eligible. Then you can apply for a VA loan.
- How often can I use a VA loan? Click On How often can I use a VA loan? As long as you have entitlement remaining, you can use your VA loan as many times as you need. Your entitlement resets when you pay off each loan.
- Are VA loans assumable? Click On Are VA loans assumable? Yes, VA loans are assumable. A civilian buyer can assume them, but this means your entitlement stays invested until the loan is paid off.
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.