Special Mortgage Programs

Special Mortgage Programs

UNFCU offers special mortgage programs to make the home buying process in the US easier for eligible members.

First Time Home Buyers Program

If your are purchasing a 1-4 family unit, co-operative, condominium or planned unit development (PUD) for the first time, take advantage of our special money-saving mortgage loan program that offers:

Doctor Program

This is a special program for Medical Doctors, and Doctors of Dental Medicine2 interested in purchasing or refinancing the mortgage on their primary residence in the US.

Program includes:
  • No mortgage insurance required
  • Adjustable rate mortgages at competitive rates
  • Low down payments for single family homes, condos, and co‑ops

Read our press release.

  1. The $300 discount on origination fees will only apply to UNFCU fixed and adjustable rate mortgage applications received between 1 September 2016 and 31 October 2016 for qualified new purchases of a primary residence, second homes, and investment properties. Home equity products and refinances of an existing mortgage are not eligible.
  2. The UNFCU Doctor Program is designed to meet the financing needs of the following professionals who are looking to purchase a primary residence and who meet the UNFCU mortgage requirements: licensed Medical Doctors (MD), including psychiatrists; and Doctors of Dental Medicine – Dental Surgeons, Orthodontists, and General Dentist (DMD, DDS). Members must produce a degree in one of these fields as well as a license to practice. Other restrictions may apply.

Disclaimer: Housing counseling agencies approved by the US Department of Housing and Urban Development (HUD) can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost. If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit the Consumer Financial Protection Bureau’s (CFPB) website, www.consumerfinance.gov/find-a-housing-counselor, and enter your zip code. You can also access HUD’s housing counseling agency website via www.consumerfinance.gov/mortgagehelp. For additional assistance with locating a housing counseling agency, call the CFPB at 1-855-411-CFPB (2372).

Featured Rates

Savings0.20% APY
Checking0.05% APY
IRA0.20% APY
Clubs0.20% APY
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