A Mortgage That Gives You More
Whether you’re buying your first home or your dream home, our mortgage experts are focused on finding the best mortgage for you. We're committed to working with you in whatever way you prefer, by offering both the latest technology, the personal service we're known for, and innovative loan solutions that are as diverse as our Members:
- Fixed conventional rate loans that work for your bottom line.
- VA-guaranteed home loans for veterans, active duty military personnel, National Guard Reserve members, and certain surviving spouses.
- Community Hero loans for teachers, firefighters, police officers, and military personnel.
- Medical Community loans for doctors and nurses.
- Refinance loans to help you reduce your monthly payments or build equity.
- Home Equity loans that allow you to use your home’s equity for cash.
- Land purchase loans to assist with building on a lot.
- Specialty Jumbo financing.
Call to speak to a mortgage expert.
We Make Mortgages Easier
We’re committed to making the process of securing a home loan as easy as possible. In fact, we have an app for that. Your loan officer or representative can send you our UFCU Mortgage Services app, a tool specifically designed to simplify the home buying and lending process for our Members:
- Apply conveniently from your smart phone or device.
- Use our mortgage calculator to save estimated payment amounts.
- Monitor the status of your loan using our real-time loan tracker.
- Scan and upload documents to expedite your loan approval process.
- Access your lending and real estate contacts.
Apply now for a home loan, or give us a call to speak to a mortgage expert and learn more.
Turn Home Equity into Extra Cash
Do you need to free up money to pay for home improvements, emergency expenses, or college? Home equity loans can offer access to cash when you need it by allowing you to use your home’s equity as security for another loan. Equity is simply the difference between what you owe on your home mortgage and what the home is worth. Our loan officers can help you determine how much equity you are eligible to borrow—often up to 80% of the market value of your home—and whether this loan option is a good fit for your needs.
Home Equity 2nd Lien Loan Rates
|5 Years||10 Years ||15 Years||20 Years|
|Annual Percentage Rate|
Last updated: November 16, 2022 11:11 AM CT
Rates are listed ‘as low as’ and are subject to change without notice. Your individual rate will be determined upon approval.
Contact us to learn more.
Refinancing Can Help
Refinancing your mortgage can be a smart way to build equity or reduce your monthly payments. We’ll help you decide whether it’s the right step to take.
Find a Place to Land
A Land Loan with UFCU can be used to finance raw land or land with few improvements, like utilities, well, and septic. UFCU can only make land, mortgage, or home equity loans in the state of Texas and does not offer loans for agricultural exempt properties.
Contact us to learn more.
Rates You’ll Welcome
Our rates are competitive and change frequently to reflect the most up-to-date market values-so you can trust that you're getting the best rates we can offer, no matter what. Keep in mind that our rates are subject to change without notice.
Find a Mortgage Loan Officer
Please contact us to let us know what you’re looking for. We’re ready to listen and learn how the right combination of experience, expertise, skills, and style will best serve you in your search for a new home. With more than twenty loan officers on our team of mortgage experts, one of them will be the perfect match for you.
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UFCU’s lending area includes Texas properties only.
Home Mortgage Disclosure Act Notice