Fixed-Rate Mortgages
Get Preapproved
Lock in your rate and monthly payment for the life of your loan.
A fixed-rate mortgage has a rate and payment (principal and interest) that stay the same for your entire loan term. For today's rates and payments, get a rate quote.
- As low as 3% down payment options available.
- Choose a term of 10, 15, 20 or 30 years.
- Talk to us about our HomeReady Loan that offers affordable down-payment financing for low- and moderate-income borrowers
Fixed-rate home loans are often a good choice when:
- You want to stay in your home for many years.
- You think rates may go up in the future and want to lock a low rate now.
- You prefer steady monthly payments for your budget.
Different terms offer different benefits:
- Longer terms have higher rates but lower monthly payments.
- Shorter terms have higher monthly payments, but your rate is lower and you pay less interest over time.
15-Year Fixed Rate Purchase
30-Year Fixed Rate Purchase
Ask about our extended rate locks! Now available.
The Lowest Closing Costs + More Discounts
Don’t bother shopping around for the lowest closing costs. They’re right here.
Plus, take up to $1,250 more off1,2—and if you find lower costs somewhere else, we’ll make it worth your effort.**
Get in Touch
We want you to feel at home with your home loan. That's why our local experts are always ready to answer your questions, understand your goals and help you take a smart step forward.
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ITIN Lending - UWCU is proud to accept ITIN for mortgage lending applications.