Mortgage Loans

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UCU gives you multiple loan options whether you are buying a new home or want to refinance your current mortgage. Choose from the following:

    • Conforming ARM Loans*:
      • 3/1 ARM
      • 5/1 ARM
      • 7/1 ARM
      • 10/1 ARM
    • Conforming Fixed Rate Loans:
      • 10-year Fixed
      • 15-year Fixed
      • 30-year Fixed
    • Conforming High Balance loans available between $453,100-$679,650
    • Jumbo loans available for amounts over $679,650
    • FHA, VA & USDA loan programs


You could get a 25% REBATE on real estate commissions* when you buy or sell a house using UCU’s Home Benefits Plus program realty agencies.

Apply Now

Contact a Real Estate Loan Representative today at (800) UCU-4510, ext. 9-2304 or go to

Disclaimer: All loans are available only on primary member residences (single-family, owner-occupied, detached dwellings, condos, or townhouses). Some restrictions may apply. Rates are subject to change without notice. Loans issued subject to credit review. Mortgage Loan Originator Information. Mortgage Loan Servicing Information.

*Home Benefits Plus Program Disclaimer: Rebates are subject to state law. The following states currently prohibit rebates: AL, AK, IA, KS, LA, MS, OK, OR, TN. To take advantage of the program, you must contact Home Benefits Plus before contacting an agent directly. No rebate is available if you work with an agent directly. The amount and manner of the rebate (whether credit in escrow or check after closing) is determined by the mortgage lender, and is subject to state and federal law and lender approval. If the rebate is paid by check, it will be paid within four weeks of closing. Contact Home Benefits Plus for complete details. Home Benefits Plus is a service provided as a benefit for members and is not affiliated with University Credit Union.