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Special US Mortgage Programs

Enhance your home buying experience

Save even more with our special mortgage programs. We can help qualified members globally secure a US mortgage. We work with members with limited credit history in the US, G-4 visa holders, and foreign nationals.

Eligibility & benefits

Enjoy a low down payment and reduced closing costs. 

UNFCU members buying new energy efficient homes1 can qualify for this program. 

Qualified members can: 

  • Pay a down payment as low as 3.00%.2
  • Receive a $725 Sustainable Impact closing cost credit.

Eligibility & benefits

Enjoy a low down payment and reduced closing costs. 

This program is for members who have not had a US mortgage in the last three years. Eligible US properties include one- and two-family houses, condos, and co-ops. 

Qualified members who choose a 6/1 adjustable rate mortgage3 can: 

  • Pay a down payment as low as 3.00%.2
  • Receive a $300 closing cost credit.

Eligibility & benefits

Enjoy a low down payment and reduced closing costs with flexible qualification requirements. 

This program is for US citizens who have good credit, but who may not have the typical income needed to buy a home. They may qualify for a fixed mortgage with Fannie Mae's HomeReady® Program. 

We offer the HomeReady® Program for the purchase or refinancing of a single-family home or condominium in the US. Qualified members will need to receive home ownership education and housing counseling. 

Qualified members can: 

  • Pay a down payment as low as 3.00%.2
  • Receive a $300 closing cost credit.

Eligibility & benefits

Enjoy a low down payment and bypass the need for mortgage insurance. 

UNFCU members who are Medical Doctors and Doctors of Dental Medicine4 can qualify for this program. Using an adjustable rate mortgage (ARM), they can finance a home purchase or refinance an existing US mortgage. 

Qualified members can: 

  • Receive up to 90% financing for a single-family home and condominium.
  • Receive up to 80% financing for a co‑operative.
  • Bypass the need to purchase mortgage insurance.  

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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