Our mortgage professionals are ready to find a solution to fit your situation.

Features & Benefits

Local and Member Focused

  • Our local mortgage professionals are ready to guide you through each step in the mortgage process, from pre-approval to closing and beyond.

Fixed and Adjustable Rates

  • Fixed-Rate mortgage – your payment amount and rate will never change making it easy to budget for your mortgage expenses.
  • Adjustable-Rate mortgage starts with a lower monthly payment and rate, giving you the flexibility to start with smaller mortgage expenses. The rate and the payment may change annually with changes in US Treasury rates
  • Hybrid-Rate mortgage – the rate is fixed for initial 3, 5, 7, or 10 years, then it may change annually with changes in US Treasury rates. Great option if you are planning to move or pay off your mortgage within a few years.

Loan Terms from 5 to 30 Years

  • Find a payment amount that fits your budget. With a shorter term you can pay off your mortgage quicker and save money on interest. Or take the longer route for a lower payment.

Down Payment starting at 5%

  • You may qualify to purchase a house without the traditional 20% down payment giving you the option to own a home sooner than you thought was possible. Private Mortgage Insurance will be required for all loans with less than a 20% down payment.

First-time Home Buyers Discount

  • We’ll help you go from renting to ownership so that you can have a place to call your own.

Same Day Pre-Qualification in most cases

  • Get a free estimate based on limited information to learn how much you qualify for. This will help you narrow down your house search and price range.

Timely Closing

  • Move in faster and start enjoying your home. Our mortgage originators are locally based to expedite the mortgage process from application to closing.

Lower Closing Costs and Fees

  • Put more of your hard-earned money towards your down payment instead of fees. Compare our closings costs and see how much you can save.

No Penalties for Prepayment

  • Pay off your mortgage as quickly as you desire without any penalties or fees.

First and Second Mortgages

  • Financing is available in nearly all 50 U.S. states.

Refinancing and HELOCs

  • Explore other options to lower your existing mortgage rate, or to use your equity for other expenses.
  1. APPLICATION – Typically within the 1st week*

    1. Bring all the required documents and make a formal application at a UFCU branch or apply online to save on your Application Fee.
  2. APPROVAL – Typically within 3-4 weeks*

    1. One of our mortgage originators will work with you to finalize the application process and provide a formal written mortgage approval if you qualify for a mortgage.
    2. Your approval may be delayed if you don’t provide all the necessary income & asset documentation or when we need additional verification.
    3. An appraisal will be ordered and typically takes 2-3 weeks to complete.
  3. CLOSING PROCESS – Typically within 4-5 weeks*

    1. Title Search and Review
    2. Homeowners Insurance
  4. CLOSING – Typically within 6 weeks*

    1. Official Closing with Attorney or Title Company

*Mortgage process is an estimated range, times are not guaranteed.

Documents Needed
  1. PERSONAL IDENTIFICATION – for all applicants

    1. Photo ID and proof of Social Security number
    2. Residence addresses for the past two years
  2. INCOME & ASSETS VERIFICATION – for all applicants

    1. Pay stubs for the last 30 days
    2. W-2s, 1099s, and employment history for the last 2 years
    3. 3 months of bank account statements, mutual fund and/or investment account statements
    4. If you have made any deposits to your accounts over $1,000:
      1. Explanation and source for deposit.
      2. If large deposit was a gift:
        • Signed gift letter
        • Copy of gift check
        • Copy of deposit receipt
    5. If self-employed:
      1. Tax returns for the last three years (with schedules).
      2. Year-to-Date Profit and Loss Statement prepared by an accountant.
      3. If you own rental property please provide tax returns for the last two years and current rental agreements.
    6. If you are retired, please provide pension Award Letter.
    7. If you receive Social Security, please provide Social Security Award Letter.

    1. If you already have a contract on a house:
      1. Purchase Agreement
      2. MLS information sheet.
      3. If you are selling your current home, copy of listing contract.


⇒Click here to see our rates.

⇒Click here to view our NMLS Registry.

*APR is Annual Percentage Rate. Rates may change without prior notice. Membership eligibility required. See us for more details.

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