First Mortgages

A home mortgage is one of the most important loans you will need. UFCU has a line of mortgage programs available for purchasing a new home or vacation home, refinancing an existing mortgage, or taking advantage of the equity in your existing home. Our mortgages are available in the continental United States.

            • Easy online loan applications

            • Competitive low rates

            • Mortgage pre-qualification

            • Expert help from UFCU mortgage specialist

Adjustable Rate Mortgages

Adjustable rate mortgages typically have lower rates and monthly payments than fixed rate loans. Interest rates and payments are adjustable over the life of the mortgage. Annual and lifetime caps prevent abrupt changes. Select an adjustable term that fits your needs with initial rate terms of 1, 3, 5 and 7 years that then reset annually over the remaining life of the mortgage. Repayment periods of 15, 20 and 30 years are available.

Fixed Rate Mortgages
Fixed rate mortgages have a fixed rate of interest and a constant monthly payment throughout the term of the mortgage. For this protection, fixed rate mortgages typically have higher interest rates than adjustable rate mortgages. Terms available are 3, 5, 7, 10 15, 20 and 30 years.

• Click here to contact our mortgage specialist   

• Click here for our current mortgage rates

• Click here for an application for the purchase or refinance of a house

• Click here for a mortgage checklist (refinance)