Whether you're purchasing a new home in Nashville or refinancing your current home in Mt. Juliet, we are here to help you with your home ownership goals. USCCU provides excellent mortgage products and a knowledgeable staff to get our members and our middle Tennessee community in the home of their dreams. Still have a few questions? We’re here with answers! Just give us a call.
Refinancing for Life's Changes
Things don't always end up according to our plan, and when life changes so do we. If you’re needing money to pay off debts or need cash on hand for some home improvements or if the market has improved since your first loan, call us to take a second look at your existing mortgage. We can help you crunch the numbers to see if it makes sense to refinance your home today.
On the Road to Purchase
Purchasing a home, whether it’s your first or your seventh, can always be a little nerve-racking. This is a big purchase, and at USCCU we understand that. Our Mortgage Department provides excellent service and guidance during this process. Call us to discuss what kind of product will best get the keys in your hand to your dream home.
Fixed Rate Products
Available with 5, 10, 15, 20 and 30 year terms
Low interest rate that will remain the same for the entirety of your loan, no matter the market
Monthly principal and interest payments will remain the same, allowing for easy budgeting
Adjustable Rate Products
Currently offering 5/1, 7/1 and 10/1 products
A fixed rate for the first 5, 7, or 10 years, respectively After the initial term expires, your interest rate can adjust up or down annually, depending on market changes
Typically, ARMs have a lower initial interest rate than a fixed-rate product
Includes interest rate caps, which limit how high your interest rate can rise
Amortized up to 30 years available
VA Rate Products
Available to eligible Veterans on 30 or 15 year terms
Generally lower interest rates
No Mortgage Insurance added to monthly payment
No down payment required on eligible purchase loans
Only available with a 15 year term and requires a 20% down payment
No structures are allowed on the property at the time the loan closes
Ready to Apply?
Click an Apply Button below to start your loan application with one of our mortgage loan officers. As you complete the application, please use your best estimate if documentation is not available as this will affect loan decisions and pricing.
What you will need:
Documentation for all borrowers, including:
Social Security Number
Contact and employment information
Best estimates of income, assets and liabilities
After you have finished:
We will contact you to:
Guide you through the loan process
Complete your loan application package
Help you select the best product and interest rate