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Buying your first home can be stressful, but we’re here to help. Our team will guide you through every step of your purchase from approvals to paperwork and everything in between. Our goal? To get you the best deal on the perfect home for your family. Wanna know how we do it?
$0 Down Payment for First Time Home Buyers. See disclosure 2.
Find out more by chatting with one of our lenders.
| Program | Rate | APR* |
|---|---|---|
| 30 Year Fixed | As low as 6.125% | As low as 6.393% |
| 20 Year Fixed | As low as 6.125% | As low as 6.433% |
| 15 Year Fixed | As low as 5.875% | As low as 6.215% |
| 10 Year Fixed | As low as 5.875% | As low as 6.273% |
| 30 Year Fixed (Jumbo) | As low as 6.75% | As low as 7.018% |
| Program | Rate | APR* |
|---|---|---|
| 7/6 SOFR ARM (30 year term) | As low as 6.75% | As low as 7.131% |
| 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 3/16/2026 at 11:00 AM (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 will be here every step of the way!
NMLS 1466105
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NMLS 2413017
Kasie’s Bio
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| 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!
2$0 down payment offer for fixed mortgage loans up to a maximum of 30 years for single family home purchase transactions only. Loans for refinances, modifications, cash out transactions, non-owner occupied homes, second homes, investment homes or vacation properties do not qualify for the $0 down payment offer. $0 down payment offer available to first time home buyers only, defined as borrower must have had no ownership interest (sole or joint) in another property during the last three years preceding the note date of the loan. Borrower must complete homeownership counseling prior to loan closing. Borrower must have a minimum consolidated credit score of 720 with at least 4 established tradelines and verified minimum of 2 months reserves. Borrower must contribute a minimum of 1% towards the overall purchase. Minimum contribution may be met through closing costs, prepaids, and/or reserves. Closing costs and select third party fees may apply including appraisal, credit report, flood determination, recording fees, private mortgage insurance (PMI), taxes and title company fees. All loans subject to credit approval, verification of application information, receipt of collateral and debt to income maximums. All applicants must qualify for and open a membership account at UICCU before loan funding. All down payment offers are for a limited time and may be withdrawn without notice. Other restrictions may apply. Contact a UICCU Mortgage Representative for additional details.
