• Investments

    CDs Tiered interest paid quarterly; terms from three to 60 months.

    IRAs No monthly fee; traditional and Roth IRA available.

  • Insurance

    Term Life Insurance An affordable option to keep you covered.

    Accidental Death Up to $300,000 worth of coverage, no medical questions asked.

    Long-Term Care Be prepared for an unexpected illness or hospitalization.

    Auto Free, instant rate quotes from reputable carriers.

    • Added Benefits

      Looking for Financial Help? Our partnership with LPL financial will put you on the right track with investment services, insurance products and information access.

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Mortgage Loans

United Heritage is your new address for lower mortgage rates.

Find a UHCU Branch/ATM

  Find it

UHCU Mortgage Loans

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 

(UHCU External Mortgage Site)


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

(UHCU External Mortgage Site)

Return to an existing application.

 Resume Application

(UHCU External Mortgage Site)



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

Low Rate Austin Real Estate Loans

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:

512.435.4444



Mortgage Loans is rated 5.0 out of 5 by 4.
Rated 5 out of 5 by from Excellent car loan and home loan experiences!! 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!
Date published: 2014-06-12
Rated 5 out of 5 by from Refinanced car loan UHCU on-line loan application and loan process was quick, easy, and so organized. This is my fourth vehicle that I have financed with UHCU. I have always been pleased with the excellent service that I have received. I used the on-line service because of my work hours, but every time I do visit the local branch in Tyler, TX, the quality and great customer service can be found there as well. I would and do recommend UHCU to any and everyone!
Date published: 2014-09-29
Rated 5 out of 5 by from Great rates 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.
Date published: 2014-08-24
Rated 5 out of 5 by from Good rates and fantastic service! 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!
Date published: 2014-06-04
  • 2015-07-26T09:24CST
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