Mortgage Loans

We offer fixed rate and adjustable-rate home loans to fit your financial needs and dreams

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Homebuying is a Journey

Whether it’s your first time or you have a few purchases under your belt – we can all use a little guidance when it comes to making one of the most important financial decisions there is. Our goal is to make every step of the mortgage journey just a bit more manageable.

30 Year Fixed

as low as

7.486 % APR*

5/1 Adjustable

as low as

7.650 % APR*

30 Year Jumbo Fixed

as low as

7.248 % APR*

5/1 Jumbo ARM

as low as

7.613 % APR*

Step One:

Know Thyself and Thy Finances

Before putting in offers around town, you want to get a solid foundational understanding of your credit score, payment options, and budget.

Boost your credit score

Run your credit report and clear up any errors or delinquencies before getting too deep into your home search. A higher credit score could mean a lower interest rate, which will increase your budget. For help with this, check out our free SavvyMoney® credit tool in eBanking.

Learn More about Savvy Money  

Mortgages 101

How do you calculate Loan-to-Value? What’s Private Mortgage Insurance? Catch up quick on all things mortgages with the UNIFY Mortgages FAQs at the bottom of this page.

Learn More about Mortgages  



Mortgage Payment Calculator

Estimate your monthly mortgage payments and more with our free mortgage calculators.

Step two:

Sweeten Your Offer with a Prequalification 

You’ll know your budget and they’ll know you’re serious. A prequalification letter indicates you are already working with a lender and qualify for a specific mortgage amount.

Know how much you’re qualified to borrow

UNIFY will perform an analysis of your credit, income, and assets to support your prequalification amount. The prequalification will quickly help you identify the price range you should look in to narrow down your search.

Show you’re serious

Sellers often prefer to work with prequalified buyers because they know they are financially qualified.

Be priority number one

Knowing you are fully capable of purchasing a home, your real estate agent will be encouraged to work harder, devoting more time and energy to you.

Get Pre-Qualified

Step three:

Choose Your Mortgage 

You have options! From Fixed-Rate Mortgage and Adjustable-Rate Mortgage products to jumbo loans up to $2,500,000 and the Low Down Payment Homebuyers Program – know your mortgage will fit your financial situation and goals. UNIFY offers 30 year, 20 year, and 15 year fixed home loans as well as 5/1, 7/1, and 10/1 ARMs. Click view all rates to see all of your home loan options. 


30 Year Fixed

as low as

7.486 % APR*

5/1 Adjustable

as low as

7.650 % APR*

30 Year Jumbo Fixed

as low as

7.248 % APR*

5/1 Jumbo ARM

as low as

7.613 % APR*

Fixed-Rate Mortgage

Enjoy the consistency of uniform monthly payments.

IDEAL FOR: Buyers who want a fixed rate and plan to stay in their home more than 10 years.

  • 15, 20, and 30-year terms for purchase or refinance
  • $50,000 to $3,000,000 loan amounts1
  • 60-day rate lock2
  • Up to 97% combined loan-to-value (CLTV) financing
  • Up to 100% CLTV when paired with UNIFY's Down Payment Mortgage Helper3

Apply for a Fixed-Rate Mortgage now 

Adjustable-Rate Mortgage

Take advantage of some of the lowest rates we offer for the first years of the loan.

IDEAL FOR: Buyers who want the lowest possible rate in the short term and buyers who won’t be in their home long-term.

  • Fixed payments for 5, 7, or 10-years and adjustable after4
  • Amortized for a 30-year term
  • Up to 95% combined loan to value (CLTV) financing1
  • Up to 100% CLTV when paired with UNIFY's Down Payment Mortgage Helper3
  • $50,000 to $3,000,000 loan amounts1
  • 60-day rate lock2
  • Cash out refi option5
  • Annual and lifetime interest rate caps

Apply for an Adjustable-Rate Mortgage now

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VA Loans

Through our partnership with the U.S. Department of Veterans Affairs, UNIFY offers VA Loans to service members, veterans, and eligible surviving spouses. Take advantage of $0 down payment options and other favorable terms. Interest rate reduction refinance loans also available for current VA borrowers.

See if you qualify for a VA Loan

Down Payment Second Mortgage Helper3

Looking for a zero money down option? If you already have a UNIFY mortgage, then we can make it happen. Borrow up to 20% of the down payment when your first mortgage is with UNIFY.

IDEAL FOR: Owner-occupied primary residence.

  • Consistent monthly payments with a fixed rate
  • 15-year term
  • Amounts up to $250,000 (min. $10,000)

Apply for a Down Payment Second Mortgage Helper Loan now 

Home Loan Disclosures

*APR = Annual Percentage Rate. See mortgage rates and terms.
1Minimum loan amounts may vary by state. Approved loan amounts are based on borrower(s) and collateral meeting approval criteria including credit history, debts, ability to repay, home ownership, home value, and other factors. 
2Interest rate lock available after pre-approval and member indicates intent to proceed, including paying a $500 non-refundable fee. Loans must be funded within 60 days of locking interest rate. If 60 days expire, additional rate lock fees may apply. 
3100% financing is the combination of our 80% LTV Conforming first mortgage and our 20% LTV Down Payment Second Mortgage Helper (DPSMH). The estimated monthly payment for our DPSMH is $12.00 per $1,000 borrowed at the lowest fixed rate of 11.99% APR for the maximum 15-year term, excluding taxes and insurance. DPSMH minimum loan amount is $10,000, maximum $250,000, with maximum combined financing of $1,000,000. Eligible for the purchase of an owner-occupied primary residence only. Not eligible for the financing of a second home, investment property, manufactured or mobile home. 
4Rate subject to change annually after introductory period. Rate changes based on one year T-Bill (CMT) index plus a margin of 2.75%.
5The following are subject to loan-level rate adjustments in accordance with federal guidelines: all condominiums, multi-units (up to 4 units) and cash-out refinances.

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Direct Deposit Bonus

Enrollment in Direct Deposit means you could win $1K in our quarterly drawing! If you are enrolled for monthly direct deposit of $500 or more, you could win big!

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FREE Checking

Yep… we said FREE. Convenient and flexible, our FREE Checking account is the no-fuss way to manage your money.

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Credit Union Near Me

UNIFY is always near you with 24/7 call center access and branches nationwide including Los Angeles, Orange County, Plano, Texas, and Northwest Arkansas.

Find a branch near you