Mortgage Loans
Your Home. Your Mortgage. Your Team.
Limited time offer: Mortgage rates as low as 5.50%. See disclosure 1.
Buying your first home? For a limited time, rates as low as 5.50% on your 30 year fixed mortgage!1 And, don’t worry about figuring it out on your own – our crew has got your back.
There’s an option for everyone.
We’re here to make it simple and make it happen! Choose the loan that works for you and let’s get started.
But why choose UICCU?
Where do we start?
Close in as little as 30 days. Personalized, 1:1 lending. Local mortgage lenders. Competitive interest rates. Low closing costs. Variety of mortgage purchase and refinance programs to suit all needs. Efficient, transparent, and easy mortgage process Conventional & Government mortgage loans in all 50 states.
Plus, keep the same mortgage servicer for the entirety of your loan. You heard that right: Our mortgages are not transferred to other service providers.
Your Lending Team
Meet our team! From left to right: Eliza Fair, Mortgage Loan Processor NMLS 2272437, Danny Hedin, Home Equity Loan Specialist NMLS 1965895, Tammy Feezor, Mortgage Loan Processor NMLS 1652647, Phil Dykstra, Director of Mortgage Business Development NMLS 1466105, Susan Toalson McGinty, SVP / Mortgage NMLS 2667468, Chastity Rein, Director of Mortgage Operations NMLS 780837, Keifer McComas, Associate Director of Mortgage NMLS 1018830, and Kasie Woodworth, Mortgage Loan Officer NMLS 2413017.
Ok, it's time to get started.
And it’s easy. Set up an appointment or start your application online! Gather as many of these docs as you can and get started!
- The last 2 months of bank statements showing the source of down payment.
- W-2 form for the previous year
- Recent paycheck stub(s) (covering a 30 day pay period) reflecting year to date earnings
- Photo ID
- If self-employed, borrowers must provide complete tax returns with all appropriate schedules for the previous two years along with year-to-date profit and loss.
- See the full mortgage document checklist
15.50% Interest Rate offer is available for non-variable rate conventional first mortgage purchase transactions with a term of 30 years. The purchase property must be located within the state of Illinois. Standard refinances, Jumbo mortgages, cash-out transactions, construction loans, investment properties, second homes, multi-family properties or any properties other than those owner-occupied as the borrower’s primary residence are excluded from the 5.50% offer. The borrower must have a minimum credit score of 700, a maximum debt to income ratio of 40%, have at least 2 established credit bureau tradelines (excluding student loans) with at least 12 months history per tradeline. Borrowers with a previous record of bankruptcy, foreclosure, or short sale on any property are ineligible for this offer. Maximum loan to value is 95% and Private Mortgage Insurance (PMI) is required for loans over 80% loan to value. Closing costs apply and will vary based on individual circumstances. Not all applicants will qualify for the 5.50% offer. All loans subject to individual credit and property approval. All applicants must qualify for and open a membership account at UICCU before loan funding. All Interest Rate offers are for a limited time and may be withdrawn without notice. Other restrictions may apply. Contact a UICCU Mortgage Representative for additional details. Equal Housing Lender NMLS# 421376