1st United Credit Union will be closed Tuesday, July 4.  Have a happy and safe Fourth of July!  

Envisioning your future, going to open houses and choosing paint colors is the fun part of buying a home. The paperwork? Not so fun.

That’s why we’ve simplified the process to make home buying fun again. Using our unique online mortgage experience, you can receive a loan decision, upload your required documents online and communicate one-on-one with our team. Our real estate experts will take it from there.

Here’s more about what we offer:

  • Fixed- and adjustable-rate options
  • Conforming and jumbo loan options
  • FHA loans, reverse mortgages and VA loans
  • First-time home buyer programs
  • Online application

Choose the loan that's right for you.  Or, feel free to call us at (800) 649-0193 to talk with one of our friendly real estate loan specialists. 

  • Fixed-Rate Mortgages

    This "traditional" type of loan maintains its original interest rate throughout the entire life of the loan. Fluctuations in market rates, over the term of your loan, won't have any impact on the amount of interest you pay because the rate is already "fixed."

    A fixed-rate mortgage loan may be a good choice if you:

    • Want your interest rate and monthly payment to stay the same
    • Plan to stay in this home for several years
    • You don't expect your income to increase significantly in the coming years

    Fixed-rate mortgage loans are available in 15 or 30 year terms.

    Apply Online

    Rates change daily. For current rates, please call our Real Estate Department at (800) 649-0193.

  • Adjustable-Rate Mortgages

    Adjustable-rate mortgages, ARMs, offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase, though, as time goes on. ARMs are useful loans for a variety of circumstances.

    An adjustable rate mortgage may be a good choice if you:

    • Want to maximize your buying power
    • Want to keep your payments lower during the first few years of your loan
    • Plan to move into a different home within the next 10 years
    • Plan to pay-off your mortgage within the next 10 years
    • If, in the coming years, you expect your income to increase significantly

    Apply Online

    Rates change daily. For current rates, please call our Real Estate Department at (800) 649-0193.

  • Unique Mortgage Loans

    Through our mortgage partner, CUSO Mortgage, we offer a number of unique loans that may fit your particular needs. Balloons, FHA, VA and others. Talk with us about your needs and we'll help find a loan that is right for you.

    Click here for more information or to apply online.

  • First-Time Home Buying

    Buying your first home is a big step, but it doesn't have to be a scary one. The more you know about the home buying process, the more confident you'll feel about making these important decisions that will shape your future. Through our mortgage partner, CUSO Mortgage, we offer loan programs and educational tools to help you every step of the way.

    Click here for more information or to apply online.

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