Mortgage Loans
We’re here to make it simple! Work with the same loan officer through your entire home buying experience, and be prepared to close in as little as 30 days! And with a rate guarantee, if interest rates rise your rate will not exceed the maximum rate provided on your pre-approval! *
What even is a rate guarantee?
We get it. Why does it always have to sound confusing? Well maybe we can help. You want the lowest interest rate on your new home loan, but know the interest rate could also change anytime, which can be very stressful. We make it simple by offering a rate guarantee* so when interest rates rise, your interest rate won’t exceed the rate on your pre-approval. In other words, what you see is what you get!
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Receive a 20% rebate on a participating agent’s commission when you buy or sell your home. Contact our mortgage team for more details.
Loan Options
| 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. |
| 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. |
| 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. |
| 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. |
| 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. |
View Mortgage Calculators (Because who can do that math anyways).
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Refinance Options
We’ve been in the business long enough to know it’s possible for you. Work with us to lower your interest rate, monthly payment, or change your mortgage term.
Rate-and-Term Refinance
You’ll be WOW’d to see how much money you save with a lower interest rate and/or different mortgage term.
Cash Out Refinance
Check out how we can use your existing mortgage to give you some extra cash or consolidate debt.
**Members who are engaged with an agent of McDonald Group for the purchase of a home will receive a 20% rebate from the realtor’s buyer commission of up to 3% of the purchase price when the loan is financed through UICCU. The rebate will be paid by the McDonald Group in the form of a check within seven days after the loan closing. The McDonald Group is not affiliated with UICCU. All loans subject to credit approval and all applicants must qualify for and open a membership account at UICCU before loan funding. All rebate offers are for a limited time and may be withdrawn without notice. Other restrictions may apply. Contact a UICCU mortgage representative for further details. UICCU is federally insured by the NCUA. NMLS #421376.