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Traditional mortgages are the most common type of home loan, so this probably isn’t your first rodeo. So, why trust your next mortgage to our team?
| Program | Rate | APR* |
|---|---|---|
| 30 Year Fixed | As low as 5.75% | As low as 6.008% |
| 20 Year Fixed | As low as 5.75% | As low as 6.096% |
| 15 Year Fixed | As low as 5.625% | As low as 6.058% |
| 10 Year Fixed | As low as 5.625% | As low as 6.240% |
| 30 Year Fixed (Jumbo) | As low as 6.375% | As low as 6.422% |
| Program | Rate | APR* |
|---|---|---|
| 7/6 SOFR ARM (30 year term) | As low as 5.875% | As low as 6.593% |
| Program | Rate | APR* |
|---|---|---|
| 30 Year FHA | Contact your UICCU mortgage lender | |
| 30 Year USDA | Contact your UICCU mortgage lender | |
| 30 Year VA | Contact your UICCU mortgage lender |
Want to know how much house you can afford? Use our mortgage calculator to find your rate.
| *APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 2/13/2026 at 2:00pm (CST). Mortgage rates are based upon a variety of assumptions and conditions. The credit score used in this estimate may be higher or lower than your personal credit score. A loan’s interest rate will depend upon specific characteristics of the loan and the credit history through the time of closing. |
Phil and Kasie are here to make it simple and to make it happen!
NMLS 1466105
217-202-9236
Phil’s Bio
| Program | Description | Benefits |
| Conventional Fixed Mortgage | The most common mortgage loan. We offer low rates on 10, 15, 20, and 30 year mortgages. This mortgage type can also be used for 2nd homes and investment properties. | Fewer closing costs Flexible monthly payment terms No mortgage insurance with 20% down or more |
| Adjustable Rate Mortgage (ARM) | An ARM is a type of mortgage that is a fixed rate for a set amount of time and then fluctuates periodically based on the market and a specific threshold. | Lower introductory rates Faster principal paydown Refinancing at a lower rate |
| USDA Loans | A USDA home loan is a zero down payment mortgage for eligible rural homebuyers. USDA loans are issued through the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture. | Low interest rates Zero down payment Easier qualifying criteria |
| FHA Loans | An FHA loan is a mortgage insured by the Federal Housing Administration and offers down payment as low as 3.50%. FHA offers lower interest rates, higher debt to income ratio and a good option for borrowers with limited credit history. | Lower down payments Flexible eligibility requirements Lower monthly payments |
| VA Loans | VA Loans were designed to help current members of the military and veterans open the door to home ownership by offering no down payment requirements and typically lower rates. | Low interest rates No down payment requirement No monthly mortgage insurance Easier mortgage application process |
Don’t worry, we promise to make it easy. Set up an appointment or start your application online! Gather as many of these docs as you can and get started!
