• 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.

  • Vehicle Loans

    Auto Loans Let us take the stress out of the car buying process.

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

    Other Vehicle Loans Great rates on motorcycle, RV & boat loans.

  • 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

      Calculators

      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
 

Notification

Due to inclement weather, Austin-area branches will open at 10:00 AM on Saturday, February 28. The Georgetown and Round Rock branches will open at 11:00 AM. Please stay tuned for additional updates.

Funding Your Dream Home

Things to consider before buying a house.

Find a UHCU Branch/ATM

  Find it

Buying a Home

Buying a home is one of the biggest purchases you’ll make in your life. Because of this, it’s imperative that you understand what buying a home really means. Before you start touring neighborhoods and picking out tile patterns, there are some important things to think about and work on to ensure you are financially ready for the commitment of home ownership. 

Check your credit history.

As with any major purchase requiring financial assistance, it’s a good idea to take a look at your credit before shopping for a home or a mortgage. Review your credit reports and make sure all listed information is correct. If you spot mistakes, address them as quickly as possible. While you might not have time to rebuild your entire credit history, you can see what impacts your credit score and start a credit improvement plan.

Get pre-approved.

United Heritage offers pre-approvals so you can determine your borrowing power. Getting pre-approved enables you to understand how much home you can afford and set a budget as you start your search for a new home. Having a pre-approval puts you in a better position to make a serious offer when you find the home that’s right for you.

Determine your down payment.

If it’s financially feasible, try to make a 20% down payment. A 20% down payment will eliminate the need for mortgage insurance or a second lien on the home. The amount of your down payment could impact your mortgage loan rate. Determining your down payment amount is an important step in preparing to buy a house. 

Use your pre-approved purchase price to shop with confidence.

Enjoy house hunting knowing that the property you fall in love with is one you can afford. Once you have your pre-approved purchase price, you can focus on your real estate wish list. Various factors come into play when shopping for a home, such square footage, closet space, floor plan, outdoor area, kitchen, and much more. Make a list of the features you consider most important and keep these items in mind as you evaluate each home. You might need to be flexible as you start narrowing down your search, but a pre-approval and pre-planning can help you stay on track.

Consider the future of your investment.

A house is more than a place for your family to live; start thinking of your future home as an investment. In addition to the actual structure, be sure to consider the neighborhood, school system and property values. Pay attention to the amenities offered either within the community or in the areas close to the home - like nearby shopping centers, restaurants, activities for families and other conveniences. All of these things affect the overall value of your home.

Understand the current condition of the home.

Before your option period ends, hire a qualified home inspector. If you’re working with a realtor, he/she can coordinate the home inspection. Regardless of whether or not you're working with a realtor, a home inspection is always a good idea. Home inspectors will provide you with detailed information on the true condition of the home. This information helps you determine how much money you’ll need to put into repairs or upgrades should you decide to move forward with the purchase.

Work with a United Heritage loan specialist.

Having United Heritage in your corner during the home-buying process is an asset. United Heritage loan specialists are armed with valuable knowledge and experience to answer any questions you may have along the way. Whether you're a first-time home buyer or a seasoned professional, a United Heritage loan specialist's goal is to make the process as quick and easy as possible. When you're ready, learn more about UHCU mortgage loans and start the home buying process.
 

Ready to buy a house? Explore your mortgage loan opportunities today.
 Get Started


UHCU Mortgage Loans

At United Heritage, it's our goal to make the home buying process as simple as possible for our members. With low rates and the personalized service you've come to trust, we'll help you find the perfect home loan.

  Learn More  

Home Buying Advice




Membership/Regular Savings account required. 
United Heritage loan policies and other qualifications apply.
NMLS #630601.



  • We're making banking personal again.

  •   Find a Location Near You