Stay Secure: Be cautious of text messages and phone calls claiming to be from UNFCU reporting fraud on your accounts. Contact us directly to verify.
Maintenance: On 25 October, Digital Banking may be unavailable from 17:00 to 20:00 New York time.

Discover the worldwide benefits UNFCU members enjoy

Apply for Membership Membership Eligibility Member Benefits Refer a Colleague

Help & Guidance

Row of brownstone houses.
US Mortgages

Reach your home goals

Rely on professional guidance when buying or refinancing a house, condo, or co-op in the US

Limited-time offer: Receive a one-time complimentary rate modification on your new adjustable rate mortgage up to 1 year after you close.1 Valid for qualifying applications received from 20 September to 29 November.

Personal protection.
Guidance

We will help you determine how much you can spend on a home and guide you through every step of the home financing process.

Line options.
Responsible financing

We specialize in understanding various UN contract terms, often enabling us to lend to more members at competitive rates.

Checkmark.
Low fees

As a not-for-profit cooperative, we offer a low origination fee and do not charge pre-payment penalties.

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.

Find a representative
  • Phone ringing.

    Call us

    Dial +1 212-338-0290 from all regions or view all our toll-free numbers.

  • People.

    Visit in person

    View hours for our locations in New York, Washington, DC, and Virginia.

  • Paper writing.

    More ways to get in touch

    We are here to support all of your financial goals. View all the ways to contact us.

Two UNFCU employees collaborating.

What to expect in your first meeting with us 

Meet the mortgage representative who will work with you throughout your homebuying journey. Your first meeting begins with discussing:

  • Your goals 
  • Your budget and timeline 
  • Mortgage types and terms 
  • The benefits of a fully underwritten mortgage pre-approval 
  • Available special mortgage programs and discounts 
Lightbulb.

The benefits of a pre-approval

We offer a complimentary pre-approval service with no obligation. With a pre-approval, you can:

  • Know how much you can afford for better budgeting.
  • Entice sellers to work with you.
  • Save time by starting the steps of the mortgage process sooner.

We will help you choose the right mortgage for you

Row of houses.

Adjustable rate mortgage

With an adjustable rate mortgage (ARM), the interest you pay will be subject to change after your initial fixed period and may increase. To protect you from wide rate fluctuations, UNFCU places caps on how much your interest rate can change.

Row of colorful houses.

Fixed rate mortgage

A fixed rate mortgage allows you to lock in your rate for the life of the loan. Your monthly payments do not change.

Better mortgages, bigger savings and rewards

Individual carrying a solar panel next to a house.

Sustainable Impact closing cost credit

Receive a $725 credit when you close on a new US home certified as energy efficient.2

Learn more
Two individuals sitting in their back yard.

First Time Homebuyers

Receive a $300 credit when you close with the First Time Homebuyers program.

Learn more
Individual potting plans in their back yard.

Member Loyalty Rewards

Your loan balance can help you earn extra dividends and fee rebates.

Learn more
Individuals taking out moving boxes from their car.

Become a US homeowner

Begin your mortgage application today. We look forward to helping you own your future home.

Find a representative

Top US mortgage FAQs

This depends on the purpose of your mortgage, how you will use the home, and the mortgage product you choose. Contact a mortgage representative to discuss your options.

A pre-approval confirms that you are “credit” approved for a mortgage. This means that we have analyzed your income, assets, and other key factors to determine that you qualify for a mortgage. As a result, the pre-approval also tells you the amount for which you qualified. You can then look for a home within your budget.  

Since a pre-approval is evidence of your ability to obtain financing, it is useful for real estate agents and sellers. It indicates that you are a qualified buyer. Contact a mortgage representative to start the pre-approval process.

There is no fee to apply. We also offer free pre-approvals.

PMI is required if your mortgage amount is more than 80% of the value or purchase price of your home. The value of your home may not cover the amount due if you are unable to repay the mortgage. This insurance gives the lender added protection in such cases. You pay the PMI each month until the value of your property reaches a certain percentage. Depending on the percentage that is reached, we will either automatically cancel the PMI or you can request a cancellation.

An escrow account is set up at closing. It holds funds to pay for expenses such as property taxes and insurance. If you are in a special flood hazard area, your flood insurance will also be covered. An escrow account can help ensure these tax bills and insurance premiums are paid on time. 

To fund the escrow account, we add a portion of your property taxes and insurance premiums to your monthly mortgage payment. When your tax or insurance amounts are due, we pay the amounts from your escrow account. This saves you time. It also gives you peace of mind that your tax and insurance bills will be paid on time.

View all US mortgages FAQs

Resources to help you manage your mortgage

Visit the Help Center
US Mortgages

View US mortgage statements

Learn more
US Mortgages

Make a US mortgage payment 

Learn more
US Mortgages

Understand your annual escrow account disclosure statement

Learn more
US Mortgages

Make a principal US mortgage payment 

Learn more
Visit the Help Center

Start your homebuying journey with professional guidance

Join UNFCU mortgage experts online for informative presentations and live Q&A sessions about US homebuying.

Register today

Disclosures

  1. Offer is valid for qualifying applications received during the campaign period (20 September 2025 to 29 November 2025). Qualifying applications submitted during the campaign period must be funded no later than 31 December 2025. Offer applies to portfolio adjustable rate mortgage (ARM) products only, with loan amounts less than or equal to $1,000,000 USD. The qualifying loan must be at least six months old and in good standing when the rate modification is requested. This free one-time rate modification offer is only available within the first 12 months after closing. Qualifying member must contact UNFCU or their mortgage loan officer to request the rate modification.
  2. To qualify, a member must purchase a new home in the US built within 12 months of the closing date. The home must be owner-occupied or the member’s primary residence. It must be first time ownership and not a resale from a previous owner. It must be energy efficient with ENERGY STAR® Certification or LEED® Certification. Home equity lines of credit and home equity loans are excluded.

Eligibility for specific loan program options is dependent on several factors, including credit profile and down payment amount. Speak with a mortgage representative to learn more. 

Disclaimer: Housing counseling agencies approved by the US Department of Housing and Urban Development (HUD) can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost. If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit the Consumer Financial Protection Bureau’s (CFPB) website and enter your zip code. You can also access HUD’s housing counseling agency website. For additional assistance with locating a housing counseling agency, call the CFPB at 1-855-411-CFPB (2372).

ENERGY STAR is a registered trademark of the US Environmental Protection Agency.  

LEED is a registered trademark of the US Green Building Council.