100% Financing Options
With 100% financing options for qualified buyers, homeownership is closer thank you think.
Mortgage Loans
Your Home. Your Mortgage. Your Team.
There’s an option for everyone.
We’re here to make it simple and make it happen! Choose the loan that works for you and let’s get started.
But why choose UICCU?
Where do we start?
Fast Closing
Close on your new home in 30 days or less. Move in sooner and start living your next chapter with no unnecessary delays.
Flexible Down Payments
Homeownership shouldn’t be out of reach. We offer programs designed to fit your life, including options with as little as 0% down.
Quick Preapproval
Get prequalified fast and shop with confidence knowing exactly where you stand. No guessing, no waiting.
Options That Fit
Whether this is your first home or your forever home, we’ve got purchase and refinance programs available in 48 states.
Personalized Service
We work the same you you do: text, email, or call. You’ll always talk to real people who know your story.
No Prepayment Penalties
Want to pay off your mortgage early? Go for it. We’ll never charge you for doing what’s right for you.
Local Lending
Work with the same trusted team from start to finish and make payments in local branches.
Built on Trust
Our #DoMoreGood philosophy puts people first. You’ll get the care and transparency that the big banks can’t match.
Mortgage Rates
Fixed Rate Mortgages
| Program | Rate | APR* |
|---|---|---|
| 30 Year Fixed | As low as 6.375% | As low as 6.647% |
| 20 Year Fixed | As low as 6.375% | As low as 6.733% |
| 15 Year Fixed | As low as 6.125% | As low as 6.569% |
| 10 Year Fixed | As low as 6.125% | As low as 6.752% |
| 30 Year Fixed (Jumbo) | As low as 7.0% | As low as 7.285% |
Adjustable Rate Mortgage
| Program | Rate | APR* |
|---|---|---|
| 7/6 SOFR ARM (30 year term) | As low as 7.25% | As low as 7.321% |
Government Mortgage Rates
| 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 6/12/2026 at 3:30 PM (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. |
Don’t forget about our…
100% financing options for qualified buyers. All the home, none of the down payment drama.
Chat with one of our lenders to find out more. ⤵
Your Lending Team
Phil Dykstra
Director of Mortgage Business Development
NMLS 1466105
Phil’s Bio
Ok, it's time to get started.
And it’s easy. Set up an appointment or start your application online! Gather as many of these docs as you can and get started!
- The last 2 months of bank statements showing the source of down payment.
- W-2 form for the previous year
- Recent paycheck stub(s) (covering a 30 day pay period) reflecting year to date earnings
- Photo ID
- If self-employed, borrowers must provide complete tax returns with all appropriate schedules for the previous two years along with year-to-date profit and loss.
- See the full mortgage document checklist