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Home & Land Loans

Home & Land Loans

United Credit Union offers a variety of home loans, including fixed-rate and adjustable-rate first mortgages and home equity loans. In order to qualify, you must live or work in one of our 16 counties, and the property must be located in one of our 16 counties as well. A list of those counties can be found by clicking here.  

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First Mortgage Home Loan

Think of UCU first when you are looking for the home of your dreams -- we can help make your dreams come true, with a loan that is tailored just for you. Features covered:

  • Home purchase or refinancing of an existing home loan
  • Varied terms, up to 30 years
  • Qualified applicant may borrow up to 95% of sale price or appraisal (the lesser of the two) on purchase. (Loan-to-value may be lower on certain types of homes.)
  • Minimized closing costs*
  • Please call for current interest rate and fee information
  • Choose from fixed, 1 yr. adjustable, 3 yr. adjustable or 5 yr. adjustable rates

Click Here For More Information about UCU Mortgage Products or To Apply Now

Home Equity Line of Credit (HELOC)

Establish a UCU Home Equity Line of Credit and draw on it whenever you need funds for just about anything: a child's college education, a new car or boat, home addition or improvements, a fun vacation, Christmas, or whatever else your loan needs may be. Interest is only calculated on the amount you borrow. Other features include:

  • Borrow up to 90% of your home's value minus first mortgage balance if first mortgage is held at United Credit Union or no first mortgage OR up to 80% of home's value minus first mortgage if first mortgage balance held with another lender
  • Only available on your primary residence
  • Draw period of five years
  • Minimized Closing Costs*
  • Can use money for any purpose
  • Easily accessible - on-line account access, TLC, phone and in person
  • Adjustable rate based on prime rate and credit worthiness, not to exceed 18% APR
  • Rate subject to adjustment monthly
  • Credit Life is available on this product (Not NCUA/NCUSIF insured)

Fixed Home Equity

If you don't need the flexibility of a line of credit and would like to have more interest rate stability, a Fixed Home Equity loan may be just what you are looking for. You still use your most powerful borrowing tool to fund just about anything: a special vacation, college education, bill consolidation, etc.

  • Borrow up to 90% of your home's value minus first mortgage balance if first mortgage is held at United Credit Union or no first mortgage OR up to 80% of home's value minus first mortgage balance if first mortgage held with another lender
  • Minimized Closing Costs*
  • Minimum loan of $2500
  • Can use money for any purpose
  • Fixed Rate throughout life of Loan
  • Rate based on prime rate and credit worthiness

*Manufactured Home Loans will have 1% added to the rate. You are responsible for paying any Title Company Closing Costs, Recording of MH documents, and title work. If you choose to have a title company help with the MH documents before closing, we can waive the Title Company Closing Costs.

Click Here For More Information about UCU Mortgage Products or To Apply Now

Land Loans

UCU is proud to now offer land loans. Whether you are looking to buy hunting land or land for a future build, we have the loan that is right for you. If the land you wish to purchase or refinance is for personal use, please contact our Mortgage Department.

However, if you are looking to purchase or refinance land for business purposes, you may want to speak to our Business Loan Representative. You may either call at: 573.581.8651, Ext 151 or e-mail for information.

Click Here For More Information about UCU Mortgage Products or To Apply Now

Construction Loans- Not Available

 

When you're thinking of borrowing and you're thinking BIG, think of United Credit Union. We offer affordable rates, flexible terms and the service you can count on when making one of the biggest financing decisions of your life. Look to us first, and you will find a courteous, knowledgeable, professional staff ready to meet your needs.

Click Here For More Information about UCU Mortgage Products or To Apply Now

For more information, please e-mail our Mortgage Department or call: 573-581-8651.

Mortgage Originator NMLS ID#
Amy Montcalm 829785
Carolyn Witte 1668756
Charla Smith 1192256
Donna Evans 447574
Gregory Newsom 447583
Jill Kiel 447603
Joanne Chapman 1192258
Phyllis Jean Trower 447597
Tammy Gish 1096755
Theresa Dean 447618
James Travis Carnahan 407929

 

Equal Housing Lender National Credit Union Administration