Welcome Home. Has a nice ring to it, don't you think?

Buy A Home

We offer a variety of loan terms and rate options to meet your needs to finance single family homes or multi-unit homes with up to 4 units as long as one is occupied by the owner.

• Construction Loans (up to 80% maximum financing)
• PMI Mortgages (up to 97% maximum financing)
• Conventional Fixed Rate Mortgage (up to 80% maximum financing)
• Conventional Adjustable Rate Mortgage (up to 80% maximum financing)

We have also partnered up with HomeOwners Advantage & Owners Choice Funding to give you, as our member, the best service possible when it comes to buying or refinancing your home. HomeOwners Advantage and/or Owners Choice Funding can offer you competitive rates and superior home loan programs like:

• FHA/VA
• USDA
• Investment Properties
• Secondary Home Purchases

Construction Permanent Loans

Benefits of Construction Permanent Loans:

• Finance up to 80% of the cost to build.
• Mortgage Servicing retained locally.
• Unlike other types of construction mortgages, UFirst FCU's loan allows you to lock your interest rate and close your loan before construction is even started. 
• Loan disbursement is made during construction to cover the cost to build, and fixed interest-only payments are paid during the construction phase.
• Offers a smooth transition from the construction to permanent financing with only one application and one closing. 
• Scheduled monthly payment of principal and interest plus escrows (if applicable), only take effect when construction is complete and the loan converts to a permanent mortgage.
• Self-builds are possible with approval