Buying a Home

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Explore Mortgage Options Designed for You

Buying a home isn’t just a financial decision, it’s a personal milestone. That’s why choosing the right home loan matters. From first-time homebuyer loans to refinancing and everything in between, our mortgage options are built to fit your life. With guidance, expertise, and competitive rates, we’re here for you through the entire process, whether you’re buying your first home or your next.

Homebuyers have trusted us for decades to make the mortgage process simple and stress-free. With experienced loan officers in every branch, you’ll always have someone nearby to answer questions and guide you through each step. And with lower fees than many lenders, you can feel confident knowing you’re getting personal service and real value from a team that puts your goals first.

Not all home loans are the same. Here’s a look at the different mortgage options and how they can work for you

Conventional

Lower rates. Flexible terms. Fewer fees. A conventional mortgage is the straightforward, cost-saving way to buy your home.

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FHA

Government-backed, with low down payments and flexible credit requirements, making it easier to qualify for your home.

First-Time Homebuyer

Get the support you need to buy your first home, with grants, down payment help, and expert guidance.

VA

Buy your home with a VA loan, no down payment, fewer fees, and terms built for service members and veterans.

ARM

ARMs offer lower starting rates with fixed terms upfront, then adjust over time, ideal if you plan to move or refinance within a few years

USDA

USDA loans provide affordable financing for homes in eligible areas, with little or no down payment.

Jumbo

Finance your dream home with a jumbo loan. Higher limits, competitive rates, and flexible terms.

Home Affordability Tool

Get a personal estimate designed for your finances to see what you can afford.

Free Home Buying Seminars

Join our free seminars and gain the knowledge and confidence you need to buy your next home.

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Ready to Buy a Home?

Reach out to a local UCCU expert to get personalized guidance on your home purchase or learn how to access your home’s equity. Call (801) 223-8188 or visit a branch location. We’re available Monday–Friday from 8am to 6pm, and Saturday from 9am to 2pm.

Apply Now

*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.

*Payments are based on a $250,000 loan on a $420,000 property in Utah County, UT. If an escrow account is required or requested, your actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums. The values shown assume the loan is for the refinance of a single-family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher.

Why So Many Mortgage Options?

Because no two homebuyers are the same. Your goals, finances, timeline, and eligibility shape
which mortgage will serve you best. Here’s what drives the differences:

Down payments & credit profiles vary. Some loans (like FHA or first‑time programs) accept lower down payments or more flexible credit histories.
Fixed vs. adjustable rates. Some prefer the security of a consistent rate (fixed), others want lower initial payments with flexibility (adjustables).
Loan size matters. If your property’s price exceeds conforming limits, you’ll need a jumbo loan with different rules.
Occupancy & purpose. Some products are designed for primary residences, others for investment or second homes, or for use in rural areas or by veterans.
Assistance & incentives. First-time homebuyers or those with government-backed loans may be eligible for grants, reduced fees, or down payment assistance.
Changing life plans. If you expect to move or refinance soon, an ARM may make sense. If you plan to stay long-term, a fixed mortgage often offers peace of mind

We’ll Help You Find the Right Fit

That’s where our mortgage team comes in. Whether you’re focused on monthly payments,
locking in the best rate, or qualifying for special programs, we’re here to guide you through
every option. We’ll break down the differences, answer your questions, and help you choose the
loan that fits your life — not just today, but long-term.

Supercharge Your Savings!

Supercharge Your Savings!

Supercharge Your Savings!

Buying a Home