Mortgage Closing Cost Credit Q4 2017

*Closing cost credit offer applies to approved and funded first mortgage loans only. Some exclusions and restrictions apply. Standard membership and underwriting conditions must be met and all loans are subject to credit approval. Initial mortgage disclosures must be signed by the borrower between October 1, 2017 and December 31, 2017 in order to qualify for this offer. The $250 will be received as a credit towards applicable costs at the time of mortgage closing.


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!

Meet Our Mortgage Team

Our friendly Mortgage Professionals are with you every step of the way to guide you through the process and answer any questions you have. They’ll make sure you secure the right rate and term for your individual financial situation.

Contact one of our team members by emailing or calling 217-278-7700.

Mortgage Team

Buy A Home

Whether you’re buying for the first time, moving up, or downsizing, we can help! UICCU offers immediate 24/7 pre-approval, so you can house hunt with confidence that comes from knowing exactly what you can afford. Our application process is easy.

Apply Now

Refinance Your Home

Lowering your interest rate or shortening the term on your mortgage can save you thousands of dollars over the life of your loan! For the average member, this is the single most powerful way to affect their total financial picture. Our team of mortgage professionals will explain your options and guide you through the refinancing process. Your current mortgage doesn’t have to be through UICCU.

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Required Documents

See what documents you’ll need for your mortgage application.

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Become a Member

Make UICCU your home team for mortgages and more!

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Loan Options

Home Loan TypeDescriptionAvailable Term Lengths
Fixed-rate mortgageLoan that provides a predictable payment schedule by maintaining the same rate for the life of the loan.30, 25, 20, 15, and 10 year
Adjustable rate mortgageLoan that starts with a fixed rate for an initial term, then changes to an adjustable rate.3/1, 5/1, 7/1
VA mortgageFixed-rate loan up to 100% financing for qualified veterans, with little or no down payment and no monthly mortgage insurance.30 and 15 year
FHA mortgageGovernment-insured fixed rate loan with low down payment and low interest rate.  30 and 15 year
USDA mortgageMortgage program from the U.S. Department of Agriculture; loans with low interest rates and no down payment.30 year
Jumbo mortgageLoan for amounts greater than $417,000. Minimum 25% down payment with 720 credit score30, 25, 15 and 10
5/1, 7/1 and 10/1

We offer a variety of purchase and refinance mortgage options for primary residences and 1-4 family investment properties. We also offer home equity lines of credit.

We’ll help you find the perfect mortgage for your needs.

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Home Calculators

How much home can I afford?

How much home can I afford?

Should I refinance my home?

Should I refinance my home?

Mortgage Payment Caclulator

Mortgage Payment Calculator

Comparing mortgages (i.e. 15, 20, 30 year)

Comparing mortgages (i.e. 15, 20, 30 year).

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