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US Mortgages

Reach your home goals

Rely on professional guidance when buying or refinancing a house, condo, or co-op in the US

The road to homeownership doesn’t have to be a solo trip. Our mortgage team helps qualified members secure a US mortgage, including G-4 visa holders and members with little to no US credit history.

Your personalized approach to a US mortgage

Connect with our experts to begin the journey toward your new home and partner with the same mortgage representative from start to finish.

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    Call us

    Dial +1 212-338-0290 from all regions or view all our toll-free numbers.

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    Visit in person

    View hours for our locations in New York, Washington, DC, and Virginia.

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    More ways to get in touch

    We are here to support all of your financial goals. View all the ways to contact us.


The benefits of a fully underwritten pre-approval

We offer a complimentary pre-approval service with no obligation. With a pre-approval, you can:

  • Know how much you can afford for better budgeting.
  • Entice sellers to work with you.
  • Save time by starting the steps of the mortgage process sooner.

We will help you choose the right mortgage for you

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Adjustable rate mortgage

With an adjustable rate mortgage (ARM), the interest you pay will be subject to change after your initial fixed period and may increase. To protect you from wide rate fluctuations, UNFCU places caps on how much your interest rate can change.

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Fixed rate mortgage

A fixed rate mortgage allows you to lock in your rate for the life of the loan. Your monthly payments do not change.

Better mortgages, bigger savings and rewards

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Sustainable Impact closing cost credit

Receive a $725 credit when you close on a new US home certified as energy efficient.1

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First Time Homebuyers

Receive a $300 credit when you close with the First Time Homebuyers program.

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Member Loyalty Rewards

Your loan balance can help you earn rebates and extra dividends.

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Become a US homeowner

Begin your mortgage application today. We look forward to helping you own your future home.

Top US mortgage FAQs

This depends on the purpose of your mortgage, how you will use the home, and the mortgage product you choose. Contact a mortgage representative to discuss your options.

A pre-approval confirms that you are “credit” approved for a mortgage. This means that we have analyzed your income, assets, and other key factors to determine that you qualify for a mortgage. As a result, the pre-approval also tells you the amount for which you qualified. You can then look for a home within your budget.  

Since a pre-approval is evidence of your ability to obtain financing, it is useful for real estate agents and sellers. It indicates that you are a qualified buyer. Contact a mortgage representative to start the pre-approval process.

There is no fee to apply. We also offer free pre-approvals.

PMI is required if your mortgage amount is more than 80% of the value or purchase price of your home. The value of your home may not cover the amount due if you are unable to repay the mortgage. This insurance gives the lender added protection in such cases. You pay the PMI each month until the value of your property reaches a certain percentage. Depending on the percentage that is reached, we will either automatically cancel the PMI or you can request a cancellation.

An escrow account is set up at closing. The purpose of an escrow account is to help you budget for expenses such as property taxes and insurance. If you are in a special flood hazard area, your flood insurance will also be covered by the escrow account. 

To fund the escrow account, we add a portion of your property taxes and insurance premiums to your monthly mortgage payment. When your tax or insurance amounts are due, we pay the amounts from your escrow account. This saves you time. It also gives you peace of mind that your tax and insurance bills will be paid on time.

Resources to help you manage your mortgage

Visit the Help Center
US Mortgages

View US mortgage statements

US Mortgages

Make a US mortgage payment 

US Mortgages

Understand your annual escrow account disclosure statement

US Mortgages

Make a principal US mortgage payment 

Interested in buying a home outside of the US?

Explore loans and mortgages to pursue your dream of home ownership outside of the US.