Mortgages

UICCU Rate Guarantee Banner

We want you to feel right at home with the mortgage process, so we offer step-by-step personal advice to help you choose the mortgage that’s best for your needs. Take advantage of our low rates to finance your home purchase or save money by refinancing your current home loan!

We’ve even written a couple articles to help you get started finding your dream home.  Check out our Advice Center to learn more!

Let's Find Your Perfect Home!

Get Started

Loan Options

Conventional Mortgage

The most common mortgage loan.  We offer low rates on 10, 15, 20, 25, and 30 year mortgages.  This mortgage type can also be used for 2nd homes and investment properties.

USDA Loans

Looking to buy a home in a rural area?  We can help!

Our USDA loans can help you get into your home with no down payment required!

FHA Loans

An FHA loan is a mortgage insured by the Federal Housing Administration and offers down payment as low as 3.50%.  FHA offers lower interest rates, higher debt to income ratio and a good option for borrowers with limited credit history.

VA Loans

VA Loans were designed to help current members of the military and veterans open the door to home ownership by offering no down payment requirements and typically lower rates.

Refinance Options

Time to Refinance?

Already own a home? We offer refinancing options that can help you lower your interest rate, monthly payment, or change your mortgage length. You can also use a mortgage refinance to help with getting some extra cash for big purchases or to consolidate debt. Let us know how we can help!

Rate-and-Term Refinance

Take advantage of our low rates today and save yourself some money on your existing home!

A rate-and-term refinance allows you change the interest rate, loan length, or both on your current mortgage.

Cash Out Refinance

Kids starting college?  Thinking of a new home-improvement project?  Want to consolidate existing debt?  A cash out refinance could be for you!

Talk to us and see how we can use your existing mortgage to give you some extra cash!

Looking to Refinance?

Get Started

Mortgage Calculators

You don’t need an advanced degree to estimate your mortgage costs. We’ve added some calculators to help you estimate costs such as monthly payments, down payment requirements, and even comparing costs of different mortgage lengths.  We want to make things easy!

Check out the calculators today!