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!

Ready to Get Started?

Apply Now

Mortgage Programs

Rate Guarantee

Mortgage rates can be hard to predict.  Let us put your mind at ease with our Rate Guarantee Program.

Shop with confidence with UICCU. Some restrictions may apply.


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!

Lower Borrowing Costs

With the Downpayment Plus Program* you may be eligible for up to $6,000 to use toward down payment and closing costs.

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 amounts greater than $484,350 with 720 credit score. Call for additional details.30 and 15 year

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!

Let's Find Your Perfect Home!

Apply Now

Already Own a Home?

If you’re already a homeowner, we have some resources to help you make the most of your home and your money. Whether you’re looking to refinance and save some money on your payments, use the equity in your home for a line of credit, or could use some extra cash for a home improvement; come see how we can help you out today.

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.

Apply Now

Home Equity Line of Credit

Already own a home?  Our Home Equity Line of Credit can help you use the equity you have in your home! Members have used the extra money for home repairs, tuition, vehicles, and much more.  Learn more today!

Learn More

Home Improvement Loan

Tackling a smaller project? Our personal loans have helped cover everyday home repairs, improvements, and updates. Don’t let the cost of that new furnace get you down. We’re here to help!

Learn More

Get Started Today!

Apply Now