Home Loans
For most of us, purchasing a new home is the single largest investment we’ll ever make. Whether the purchase is your first home or your retirement dream, you can trust UCU to help you with each step. We have a variety of mortgage and home loan options to support our members throughout their lives.
Contact our Mortgage Loan Originators by email or call 800 696 8628 for questions.
Mortgage Special
20 Years as low as 4.99%, APR as low as 5.126%*
*APR=Annual Percentage Rate. Rate effective 5/1/2026; limited time only. Membership eligibility applies. All loans are subject to terms and conditions, and credit approval. Example: a fixed-rate loan of $300,000 for 20 years at 4.990% interest and 5.126% APR will have a monthly payment of $1,978.21. Payment example does not include taxes and insurance premiums; actual payment obligation may be greater. Additional adjustments and fees may apply based on credit score, loan-to-value, occupancy, property type, cash out and loan size. Advertised rate assumes the purchase of a single-family primary residence, 700 FICO, down payment of 20%, or 80% loan-to-value required for limited cash out refinancing for single family primary residence up to the conforming loan amount limit. For details, contact a UCU Mortgage Loan Originator at: mlo@ucumaine.com or 800.696.8628.
Home Loans with $0 Down and No MI*
Your journey home starts here at UCU. Give us a call or send us an email to learn more about our home loan programs, or start an application online today with the buttons above.
*Contact a UCU Mortgage Loan Originator for full details of product offerings on home loans: ucumaine.com/home-loans-mlos. $0 down payment, no mortgage insurance applies to Single Family Homes and Condominiums. Terms, conditions, and creditworthiness apply.
Mortgages
UCU has mortgage products to fit your needs and will work with you to find one that is right for you.
We will work with you to consider your budget, savings, current income and debts, and future plans. In addition to conventional and jumbo mortgages, UCU also offers MSHA and RD mortgage options, as well as loans for second homes and camps. Have a unique situation? Come talk to us about our portfolio mortgage program. Contact a UCU mortgage loan originator by email or at 800 696 8628 for information.
Home Equity Loans
Home equity loans can be used for a variety of needs. Many of our members use them for home improvements. Did you know you can also use them for your wedding or a vacation? Our home equity loans are an easy, low interest way to get the cash you need for your next project or adventure. Apply online or contact a UCU mortgage loan originator by email or at 800 696 8628 for information.
Refinancing
Refinancing your mortgage can be a smart way to reduce your monthly payments. Contact a UCU mortgage loan originator by email or at 800 696 8628 to see if it is right for you and what options you have.
Accessory Dwelling Units (ADUs)
An Accessory Dwelling Unit (ADU) is a smaller, independent living unit located on the same property as a primary home. They include their own kitchen, bathroom, living space, and a separate entrance.
Examples:
- Detached backyard cottage
- Converted garage or basement
- In-law apartment
Benefits:
- Flexible living solution
- Potential rental income
- Efficient use of existing property
Contact a UCU mortgage loan originator by email or at 800 696 8628 for information about ADUs.
Construction
With a Construction Loan from UCU you are able to design your own journey, and bring your forever home dreams to life. Contact a UCU mortgage loan originator by email or at 800 696 8628 for information.
Land Purchase
Many of our members find that perfect piece of land but are just not ready to build. Not a problem - we offer land purchase loans, too! Contact a UCU mortgage loan originator by email or at 800 696 8628 for information.
Second Homes and Camps
We offer lending options for special properties like second homes, camps, and cottages too! Contact a UCU mortgage loan originator by email or at 800 696 8628 for information.
First-time Home Buyer Education
Learn everything you need to know about the home buying process at First Time Home Buyer course. Completion of the course may make you eligible for the $5,000 Maine State Housing Advantage grant to apply towards closing costs.
NMLS ID: 407658
