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

That’s why we’ve simplified the process to take the hassle out of purchasing a home. Using our unique online mortgage experience, you can receive a loan decision, upload your required documents 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
  • No points
  • 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. 

Apply online View rates

  • 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 View rates


  • 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 

    1st United currently offers a 7/1 ARM in which the rate is fixed for the first seven years and only adjusts every year thereafter.

    Apply online View rates


  • FHA and VA Loans

    Through our mortgage partner, CU HomeLand/American Pacific Mortgage, we offer a number of unique loans that may fit your particular needs including FHA, VA and others. Let us know your needs and we'll help find a loan that is right for you.

    Click here for more information or to apply online through CU HomeLand/American Pacific Mortgage.

  • First-Time Home Buyer

    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, CU Homeland/American Pacific 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 through CU Homeland/American Pacific Mortgage.