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Mortgage Loans

The best place to start for your home loan needs.

Benefits of UHCU Mortgage Loans

Benefits of 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.
 
  • Get pre-qualified with no up-front costs
  • No application fees
  • Competitive rates
  • Quick, convenient, customized home loans based on your needs
  • Assistance navigating the home-buying process
  • First-time homebuyer assistance

Apply today to start exploring your mortgage loan opportunities.
 
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Purchase

Ready to buy a home? Our experienced loan specialists will assist you from pre-qualification to closing, giving you piece of mind. Apply today to take the first step in your home buying journey.
 
  • Get pre-qualified with no upfront costs
  • Fixed and adjustable rate mortgages
  • Down payments as low as 3%*
  • On-time closings
  • Flexible terms
  • Low closing costs
  • Loans up to $3 million
  • No prepayment penalty
  • No Private Mortgage Insurance (PMI) options available**
  • Primary home, vacation home or rental property

Let our home loan specialists help you find the right mortgage loan.
 
Apply Now

Refinance

Thinking of refinancing your home? We've helped many homeowners discover the benefits of refinancing. Reasons people refinance often include:
 
  • Lower your monthly payment
  • Pay off your loan faster***
  • Get cash out of your home's equity****

Our goal is to help you find a refinance option that best fits your lifestyle and budget.
 
Apply Now
First-Time Homebuyers

First-Time Homebuyers

Considering buying your first home? You've come to the right place. We will walk you through the entire process from pre-qualification to signing on the dotted line.
 
  • Get pre-qualified with no upfront costs
  • Down payments as low as 3%*
  • No Private Mortgage Insurance (PMI) options available**
  • On-time closings
  • Fixed and adjustable rate mortgages
  • Flexible terms
  • And more!

Common First-Time Homebuyer Questions
 
  • How much can I afford?
  • What rate will I get?
  • What term should I choose?
  • How much of a down payment do I need?
  • How does my credit report affect my options?

If you have any of the questions above, we can help. Submit an application today to get started.
Get Started
Mortgage Calculators

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?

We're here to help.


To speak to a UHCU home loan specialist, give us a call at 512.435.4444.

Monday-Friday: 8:00 AM - 6:00 PM
Saturday: 9:00 AM - 2:00 PM

Helpful Resources

How Much House Can You Afford?

How Much House Can You Afford?

If you’re like most Americans, the question isn’t, “Am I going to finance my new home?” But rather, “What mortgage payment can I afford?” Before you begin hunting for a new house, there are many factors to consider.

Read More
Down and Detailed: All About Down Payments

Down and Detailed: All About Down Payments

Purchasing a home for the first time is a major financial milestone. One question most buyers ask - How much money will I need to put down? Fortunately, there are many options and choices for every kind of home buyer.

Read More
Six Helpful Tips for Buying a Home

Six Helpful Tips for Buying a Home

When it comes to purchasing a new home, using the assistance of experienced UHCU Loan Specialists who know the process inside and out can help make the experience smooth and free of unnecessary stress. Here you’ll find a list of 6 tips and tactics for buying your home.

Read More

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Membership/Regular Savings account required.
United Heritage Lending Policies apply. Guidelines, terms and conditions apply.
Closing costs apply.
*Various loan programs are subject to borrower qualification.
**Loan programs without Private Mortgage Insurance (PMI) require a 80% loan to value (LTV) first lien with up to 15% LTV second lien.
***Pay off your loan faster by refinancing the current loan to a shorter term.
****Cash out when refinancing on a primary residence homestead in Texas falls under the Texas 50(a)(6) regulations.
NMLS #630601
Licensed Mortgage Loan Originators

 
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