Realtor Resource Center

• 10, 15, 20 or 30-year terms⁵
• As low as 3% down payment options available⁵
• Affordable down-payment financing options for low- and moderate-income borrowers
• Fixed-Rate Mortgages

• Adjustable-Rate Mortgages, where the rate adjusts semi-annually after the initial 3-, 5- or 7-year terms⁵
• 15/15 ARM where the rate adjusts once after the initial 15-year term⁵
• Talk to Us about our ARM for non-warrantable condos

• 12-month interest-only, fixed-rate construction loan with principal payment due at maturity
• Various loan amounts available to meet specific needs
• Financing available to convert construction loan into a mortgage after construction is completed
• Construction Loans

• Financing to purchase land for home building
• 15- or 30-year terms available⁵
• Lot Loans

• Loan amounts go up to $2,299,680
• Jumbo

• Investment
• Allow up to six properties financed with UWCU

• Low down payment options available
• WHEDA, with options available with and without Private Mortgage Insurance (PMI)⁵

• 15 or 30-year terms⁵
• As low as 3.5% down payment options available
• FHA Loans

• 0% down payment available for new home purchases.⁵
• No Private Mortgage Insurance (PMI) required.
• Choose a term of VA Loans.⁵

• Affordable home financing options for members who have an Individual Tax Identification Number (ITIN)

• Money available to homebuyers in the form of low- or no-interest loans, grants, tax credits, savings programs and more.

For clients looking to sit down with us to discuss how they can be in the best position for a mortgage. We'll:

• Look at your clients' current debt and credit situation
• Talk through ways to improve their financial position
• Find the optimal program or loan type and rate tailored to their specific needs

Understanding credit and credit health is critical, even before thinking about buying a house. Fixing credit may help qualify for a wider range of mortgages or a lower interest rate. Our financial experts will take a look at your client's credit report and:

• See if they would benefit from restructuring debt to help increase their credit score
• Discuss debt restructuring options like moving from unsecured lines into collateral loans or changing credit cards to installment loans 

Monthly payments can price some clients out of qualifying for a mortgage due to existing debt. We can help:

• Determine if credit retrieval (which may lower the credit score) would help 
• Talk through debt consolidation, other types of loans, stretching loan terms, etc.
• Identify if these changes will affect monthly payments for more financial security

Moving from an existing home to a new one can require planning to make it all work. Our experts can help:

• Explore options to avoid PMI (Private Mortgage Insurance), lower monthly payments, and more attractive loan types 
• Consider bridge loans or other financing options
• Strategize to avoid temporary housing between current and future homes 
• Identify the best path for your clients' situation and objectives