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Home Loan Basics

Knowledge is power. Knowing your choices gives you the power to make good decisions. Throughout the Mortgage Center you'll find valuable information you may use when buying or refinancing your home.

Rates & Services

Discover the advantages of our various Loan Options. Let our Loan Consultant help you choose the loan that is right for you. Use Rate Tracker to notify you when a particular rate is available. Learn more about options to lock your rate while your loan is in process.

About Us

Your Credit Union is the only complete mortgage lending solution. We know mortgage lending, and we'll help you move into your new home or refinance your existing property faster and easier than all other lenders.

Welcome to University Credit Union

Your Approval Letter Awaits You! It's really that simple. We've eliminated the paperwork to offer you a hassle free application process. A few questions equals an on-line decision within minutes. It's just a few clicks away with MortgageClick.

Where to Start

Information For First-Timers

First-Time Home Buying

Congratulations! We're pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Calculators Apply

Purchasing A Home

Purchasing a Home

Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Calculators Apply

Start Saving By Refinancing

Refinancing a Home

If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Calculators Apply

Getting Value Out Of Your Home

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Apply

Construction Loans

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Check Rates Apply

Today's Rates

Today's loan rates
Rate	Points	APR	Payment

30 Year Maine State Housing Authority
Interest Rate5.950%	Discount Points0	APR6.138%	Payment Amount$596

No PMI Purchase 30 Year Fixed 90%
Interest Rate7.375%	Discount Points0	APR7.477%	Payment Amount$691

Primary Residence 30 Year Fixed 97%
Interest Rate7.125%	Discount Points0	APR7.327%	Payment Amount$674

30 Year Fixed (Service Retained)
Interest Rate7.125%	Discount Points0	APR7.327%	Payment Amount$674

15 Year Fixed (Service Retained)
Interest Rate6.375%	Discount Points1.000	APR6.856%	Payment Amount$864

Check Rates
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Explore your loan options...

Just looking? Our Loan Consultant will provide you the best terms available. Answer a few short questions and in moments you'll discover the rates and fees specific to your request.

Ready to Apply? First Choose the product that best meets your needs and then we will guide you through your application!