First Mortgages

You get all of the following benefits with a Unity One Home Mortgage!

Mortgage Calculator

 
Texas and other states call (800)607-3474 or (800)366-6041

• Competitive interest rates and points
• Low closing costs
• Easy loan payments through automatic debit of your credit union account
• A wide array of mortgage options to meet any need
• No prepayment penalties
• Prequalification services
• Online application - Apply for a Mortgage Loan
• Telephone prequalification at (800) 607-3474 during normal business hours and (800) 366-6041 after hours
• Loan servicing kept within the Credit Union system
• Fast loan decisions
• Knowledgeable, friendly mortgage specialists to assist you at every step up until closing

You can pre-qualify online and handle your application electronically or through the mail - never visit a branch!

You can take care of the entire application process from the privacy of your home or office. Plus, you can ask questions, check on the progress of your loan, and handle most situations by just giving us a call. All other information and documentation can be sent through the mail. We will keep you well informed and comfortable every step of the way.

So that you may shop with confidence, see us before you go looking for that new home. We offer a simple, free prequalification program in which we will calculate your monthly payments under a number of different options and give you a clear idea of how much home you can afford. We can also guide you in your refinancing options and help you determine if refinancing is a good option for you.

Quality service you expect.
Our mortgage specialists can help you determine how much home you can afford, compare mortgage types and costs, and even find a mortgage that matches your financial situation. Our knowledgeable, friendly mortgage specialists will help you throughout the process. Plus, you get the convenience of obtaining your home mortgage at the same place you have your savings, checking and other accounts.

Our low fees will save you money.
Closing costs often seem to add up quickly, but not at your Credit Union. Our unique mortgage program provides highly competitive rates and important cost-saving opportunities. We keep our closing costs very low and don't load you down with a lot of extra fees like some other financial institutions. In case of a refinance, you may be able to roll closing costs into your new mortgage to avoid any out-of-pocket expense.

You can avoid private mortgage insurance.
We can help you lower your closing costs and monthly payments by financing a portion of your down payment - typically 10-15% of the purchase price. This second-lien loan, along with your required out-of-pocket down payment could allow you to avoid the need for Private Mortgage Insurance (PMI). By avoiding PMI, your monthly first mortgage payment will be lower, closing costs could be less, and qualifying may be easier.

Are you relocating?
Unity One Credit Union offers an exceptional relocation mortgage program with competitive rates and trailing spouse programs. We'll take care of the mortgage process so you can concentrate on all of the other stressful things involved with relocating. Just call us for more information.

First time Home Buyer?

Unity One offers several options ideal for the first-time homebuyer. We'll help take the confusion out of the mortgage loan process so that you can choose with confidence the mortgage that is best for you. We'll lead you through the entire process and answer any questions that may come up. No question is too big or too small for us to tackle.

The bottom line: we have a mortgage that's right for you.

We can help you purchase a new home or refinance your existing home with fixed or adjustable rates. Or, maybe a balloon mortgage would suit your needs. Whatever your home mortgage needs, we have the right home loan for you. That means monthly payments that meet your budget.