• Real Estate Loans

    Mortgage Loans Flexible financing options for the home of your dreams.

    Home Equity Loans Access cash using the equity you’ve built in your home.

  • Auto Loans

    New or Used Car Loans Let us take the stress out of the car buying process.

    Auto Refinance Enjoy lower interest rates and smaller payments when you refinance.

  • Personal Loans

    Personal Loans Access to the money you need, when you need it.

    Line of Credit Have peace of mind you'll be able to handle fluctuations in your finances.

    CD Secured Loans Establish credit or borrow money without a co-signer.

  • Credit Cards

    Credit Cards Industry-leading cards with competitive rates and benefits.

    • Added Benefits

      Competitive, low interest rates.

      Sign most loan documents electronically with DocuSign.

      Personalized service from your UHCU Loan Specialist.

      Apply Now
  • 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.

      Learn More

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 pre-approval 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)




Loan Calculators

To estimate monthly payments or determine how much you can afford, use one of our helpful loan calculators.

Mortgage Calculators

Other Calculators






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


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