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US Mortgages

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All UNFCU mortgage representatives are permitted to lend in all 50 states.

Speak to a representative about our special, limited-time offer: Receive a one-time complimentary rate modification on your new adjustable rate mortgage up to 1 year after you close.1 Valid for qualifying applications received from 20 September to 29 November.

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Whether you are buying or refinancing a home or an investment property, we provide low fees and competitive rates.

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  1. Offer is valid for qualifying applications received during the campaign period (20 September 2025 to 29 November 2025). Qualifying applications submitted during the campaign period must be funded no later than 31 December 2025. Offer applies to portfolio adjustable rate mortgage (ARM) products only, with loan amounts less than or equal to $1,000,000 USD. The qualifying loan must be at least six months old and in good standing when the rate modification is requested. This free one-time rate modification offer is only available within the first 12 months after closing. Qualifying member must contact UNFCU or their mortgage loan officer to request the rate modification.