Most mortgages are built on assumptions. We ask one question first:
When do you get paid? This is where most mortgages break.
Fix your payment
Your income works. Your timing doesn’t. You get paid weekly. Biweekly. On shifts. But your mortgage? Due once a month. No flexibility.
So even when you can afford it… it doesn’t feel manageable.
Looking for a new home? See us for your financing. Our mortgage product offers a competitive rate, low closing costs, and flexible terms. Whether you’re adding on to your home or wanting to consolidate some bills, we can help with a convenient home equity loan.
All rates are expressed in Annual Percentage Rates (APR).
Rates subject to change without notice and are effective as of 2/1/2026.
Please contact the credit union for current rate information. Applicants must meet UCCU credit guidelines.
PMI is protection for the lender in the event that you default on your primary mortgage and no longer make payments and the home ends up going into foreclosure. Most lenders require this insurance premium unless you put 20% down payment. UCCU does NOT require PMI.
UCCU keeps all servicing rights for mortgages at this time.
We offer a 5 Year Balloon. This means the rate is fixed for 5 years. At the end of every 5 year period you will refinance the loan balance at the remaining amortization term.
Initially we will require a completed mortgage application with proof of income. After review by management, we may request additional details on a case by case basis.
Not at this time.
Your rate is fixed for 5 years. At the end of the balloon renewal your rate can change based on the market and your credit score. It is locked in for 5 years at a time.
It really depends, each transaction is different. UCCU could require 0%-30% down payment, depending on your credit score. There will also be closing costs associated with each transaction.
Closing costs vary with each transaction. UCCU does NOT have origination fees.
Less than 60 days.
We are required to obtain an unbiased professional opinion of a home’s value. The appraiser will look for at least a minimum of 3 recent sales of comparable properties that have sold in the past 12 months.
Yes but the loan amount must be $100,000 or less.
We allow credit scores as low as 500 through Equifax credit reporting.
Yes. We require that the loan to value is 80% or less when it comes to these types of homes.
Weekly, biweekly, monthly—whatever your schedule is.
So it lines up with how your money actually comes in.
Clear, manageable, and built for real life.
It’s not that you can’t afford a home. It’s that the system wasn’t built for how you get paid. We fixed that.
Real people. Real conversations. You’re not just filling out a form.
You’re working with someone who listens, asks the right questions, and helps you figure out what actually works for you.
Please contact the credit union for current rate information. Applicants must meet UCCU credit guidelines.
We offer loans for mobile homes, not on a permanent foundation. All rates expressed as Annual Percentage Rate (APR).
Applicants must meet UCCU credit guidelines.
We offer loans for land. Maximum loan amount is $100,000.
All rates expressed as Annual Percentage Rate (APR).
Applicants must meet UCCU credit guidelines.
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