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      Calculators Use our auto and mortgage calculators to estimate the loan terms that best fit your budget.

Mortgage Loans

(5 reviews)

At United Heritage, we take the headache out of getting a home loan. With low rates and personalized service, we’re here to make financing your home as simple as possible. We guide our members step-by-step through the entire loan process -- from application to move-in. It's our goal to help you find the perfect mortgage loan.

Apply for a Mortgage Loan:

With UHCU, obtaining a home loan in the greater Austin or Tyler area couldn’t be easier. We offer low-cost mortgage loans with no application fee. Once you apply, you'll work with a home loan specialist to find the right loan product for you. 

UHCU Mortgage Loan Benefits

  • Get pre-approved with no up-front costs
  • No application fees
  • Historically low rates
  • Quick, convenient, customized home loans based on your needs
  • Assistance navigating the home-buying process

Explore your mortgage loan opportunities today.

 Get Started 

Austin and Tyler Mortgage Loan Resource:

Financing a new home may seem complicated, but our UHCU home loan specialists can help you through the process so you know what to expect at every step. 

Prepare for Home Ownership

  • Get pre-approved
  • Determine your down payment
  • Use your pre-approved purchase price to shop with confidence
  • Consider the future of your investment
  • Understand the current condition of the home
Learn more about preparing for home ownership here.

Ready to begin? Apply now.

 Get Started

Return to an existing application.

 Resume Application

December 20, 2016

Title: Mortgage re-fi
Name: David N.
Review: I contacted multiple banks, brokers etc. in an effort to get a good deal on a home loan re-fi. Then it struck me, I wonder do UHCU provide mortgages. I made the call and they did, and they beat any of the quotes I already had easily. Whole process was simple and efficient. Special thanks to Tara for keeping me straight with all the paperwork.

September 21, 2016

Title: Refinance
Name: Jonathan
Review: I refinanced our two cars and my travel trailer. UHCU beat everyone's rates and saved me money. Great experience and great customer service

August 24, 2014

Title: Great rates
Name: Marcos111
Review: I just refinanced my two autos and my travel trailer and I am now saving 218 dollars a month. This was really a easy and no-stress process. I looking forward to working with United Heritage again on my future home purchase.

June 12, 2014

Title: Excellent car loan and home loan experiences!!
Name: Nick
Review: I refinanced my car loan with UHCU and saved over $70 per month PLUS I was able to add an excellent extended warranty. I have since bought a second car, and without question used UHCU for that loan, seamless transaction! I have now bought a home, and am thrilled to report my VERY satisfied mortgage experience. I am in the real estate business, and can proudly and professionally recommend UHCU for home loans and refinancing. Thank you to the UHCU team for making our dream a reality!

June 4, 2014

Title: Good rates and fantastic service!
Name: firstreviewer
Review: UHCU gave great personal and reasonable support throughout the refi process and gave me info about options I didn't know were available. On top of that, the rates were great!

Membership/Regular Savings account required.
United Heritage Lending Policies apply.
Closing costs apply.
NMLS #630601
Licensed Mortgage Loan Originators

Check Loan Status

Already have a mortgage loan application in process? Sign in to your account to check the status of your loan.

 Check Loan Status

Mortgage Calculators

To estimate monthly payments or determine how much you can afford, use one of our helpful mortgage loan calculators:  All Mortgage Calculators

Have Questions?

To speak to a UHCU loan specialist, call:


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