Mortgages from UHFCU
These loan programs are insured by an agency of the Federal Government and collectively often referred to as “Government” or “Govie” loans. The biggest benefit of these programs are the attractive minimum down payment options ranging from 0% down payment to 3.5% down payment.
Each program has different eligibility requirements and restrictions. Please read below for more information on each option to see if you might be able to take advantage of once of these great loan options.
UHFCU is by far the best credit union I have ever used. Excellent and quick customer service, and the lowest rates out there!- UHFCU Member
Mortgage Product Term Rate Type Points Rate APR*
5/5 ARM Adjustable 2.00 6.000% 6.373% Apply Now 15/15 ARM Adjustable 2.00 6.250% 6.327% Apply Now 30 Year Fixed 2.00 6.250% 6.474% Apply Now 20 Year Fixed 2.00 6.125% 6.420% Apply Now 15 Year Fixed 2.00 6.000% 6.368% Apply Now 5/1 ARM Adjustable 2.00 6.000% 7.339% Apply Now
Rates are accurate as of 12/6/2023 and subject to change without prior notice. Examples based on loan amount up to $970,800. If you have any questions or need current rate information, please contact us. NMLS #421550.
* APR = Annual Percentage Rate
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FHA, VA, and USDA Loan Programs
What is a FHA Loan?
A Federal Housing Administration (FHA) loan is a home mortgage that is insured by the government and issued by lenders approved by the FHA. The FHA loan is designed to help low- to moderate-income families attain homeownership. They are particularly popular with first-time homebuyers.
What is a VA Loan?
VA mortgage loan options are home loans backed by the U.S. Department of Veterans Affairs (VA) that provide affordable home financing options for eligible service members, veterans, and surviving spouses.
What is an USDA Loan?
The U.S. Department of Agriculture (USDA) home loans program offers mortgages to low-income residents of rural areas who cannot otherwise obtain a conventional mortgage. Property must be located in a designated rural area and borrowers must meet certain household income eligibility requirements.
- What is a FHA Loan?
*A down payment is required if the borrower does not have full VA entitlement or if the loan amount exceeds the VA county limits. VA loans are subject to individual VA Entitlement amounts and eligibility, qualifying factors such as income and credit guidelines, and prop-erty limits.