Home Loans

“Please note that the processing of your mortgage loan request may be delayed due to the closure of many of the County Clerk’s offices throughout the region. For additional information on how this may affect your mortgage loan request, please contact Jack Holtzhauer: 973-945-1057; john.holtzhauer@unilever.com”.           

Pre-Approval, Purchase, or Refinance

A home mortgage is one of the most important loans you will need. UFCU has a line of mortgage products 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.















 Thinking About
Buying Your First Home?
    Take some proactive steps




  • Competitive low rates
  • No points
  • No prepayment penalties
  • Affordable mortgage options
  • Mortgage pre-qualification
  • Expert help from a UFCU mortgage specialist
  • Quick approvals and local closings make the entire process fast and hassle-free


Purchase-Money Mortgage Loans Available
with Down Payment as low as 5%

  • 5% Down Payment Program
  • Maximum loan amount $510,400.00
  • Owner occupied, single family homes.  Includes townhomes and condominiums
  • Minimum FICO Score for 5% Down Program is 720

    Let’s Get Started!

    Before you begin the Online Application it will be helpful to review our Checklist and the Online Application instructions to speed up the process.
    After you submit the Online Application our loan specialist will contact you.

    More Options
    Print the PDF version and submit it in person or by mail:

    Unilever Federal Credit Union
    P.O. box 1112
    Englewood Cliffs, NJ 07632

    In Person
    The office is located at 700 Sylvan Avenue, Englewood Cliffs, NJ 07632. 

Our Vice President of Lending
Experienced professionals you can count on!





John Holtzhauer
NMLS# 202179
UFCU MLS# 457994
Cell: 973-945-1057

Have additional questions?
Please reach out and contact us.



















The Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act is designed to enhance consumer protection and reduce fraud by requiring a nationwide registration system for mortgage loan originators (MLOs). Each MLO obtains a unique identifier from the Nationwide Mortgage Licensing System and Registry (NMLS). This information allows a consumer applying for a mortgage loan to verify the MLO is properly registered and to obtain basic information about the MLO’s mortgage lending history. Unilever Federal Credit Union: NMLS #457994.


Important information for UFCU members regarding coronavirus. Click Here