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VA Home Loans for Military Heroes - Los Angeles, California, United States

VA Home Loans for Military Heroes

Did you or your spouse serve your country? VA home loans make it easier for service members and surviving spouses to turn homeownership dreams into reality.
If you're concerned about rising interest rates and hefty down payments, a loan backed by the  U.S. Department of Veterans Affairs (VA) could be your solution. Our VA loans are ideal for active-duty service members, veterans, or surviving spouses seeking flexible credit requirements,  zero down payment, and competitive interest rates.  
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Benefits of VA home loans - Los Angeles, California, United States

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

Rates for VA loans are typically 0.5% to 1% below the rates for traditional mortgages.
Fixed-rate VA loans

Fixed-rate VA loans

Fixed rates for VA home loans protect you against rising interest rates in the future, providing peace of mind throughout the life of your loan.
Adjustable-rate VA loans

Adjustable-rate VA loans

Adjustable rates for VA home loans let you leverage variable interest rates over time, offering the convenience and flexibility you need

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 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

Need more information?
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, 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.

USDA loans

Looking for a home in a rural community? A USDA loan could be right for you, with little or no down payment required and no private mortgage insurance (PMI) mandate.
Learn more about USDA loans

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

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