Unilever Federal Credit Union
NMLS #457994

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 a UFCU mortgage specialist

Adjustable Rate Mortgages

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

Home Equity Loan

Home Equity Loans
Whether you need money for college tuition, buying a car, home improvements or consolidating credit card bills the equity in your home could be the answer. If eligible, you can borrow up to 75% of the equity in your home at UFCU. Check with your tax advisor regarding the deductibility on your tax return

UFCU Home Equity Loans are available in the 48 continental United States. Contact our mortgage loan specialist for details and for any special state requirements. Home Equity Loans can be either fixed rate, loan second mortgages or a variable “umbrella” line of credit (HELOC)

Fixed Rate (Second Mortgages) Equity Loans
You determine how much you need to borrow and for how long. Your rate and payment are fixed over the life of the loan, with repayment terms of 3, 5, 7, 10 and 15 years. Contact our mortgage loan specialist for program details


HELOC – variable rate Home Equity Line of Credit
You get a pre-approved line of credit so that funds are available whenever and wherever you need it. It is a revolving credit line that is convenient and flexible. Your HELOC can be used for college tuition, buying a car, making home improvements, building an addition or consolidating high interest credit card bills. We call it an “umbrella” loan because it is has an overall variable credit line that has options to lock in all, or portions into fixed rate mortgages. Contact our mortgage specialist for program details