USE Credit Union

Home Loans That Fit Your Lifestyle

Mortgages With Major Curb Appeal!
If there's any one transaction in life where saving money really matters, this is it! Buying or refinancing your home is a big decision... and it's important to get it right.  At USE, our mortgage specialists are veterans, logging over 75 years of combined experience helping members like you. We offer a full array of fixed- and variable rate mortgages to ensure you feel right at home with your decision.

We Guarantee To Get It Right!
Here's our pledge: We're so sure we can offer you the best deal on a mortgage, we'll beat any lender's rate and fee combination or pay you $750. Our 1st mortgage guarantees save you time, money and home loan hassles:

  • We guarantee to beat any lender's price or pay you $750.1
  • We guarantee to give you a same-day loan decision or pay you $250.2
  • We guarantee to meet your closing date, or we'll pay the seller $1,000.3

Purchase Or Refinance: We’ve Got The Options You Need.
Whether you’re a first-time buyer or a long-time homeowner, we give you a choice of programs that fit your circumstances and your budget.

  • Fixed rate loans up to 30 years
  • Financing available with low down payments on purchases
  • Adjustable-rate loans with fixed terms up to 10 years
  • Jumbo financing up to $1.5 million
  • Fannie Mae HomePath® loans

Ready to Get Started?
So are we! You decide how to proceed.  Want a no-obligation quote at today’s rates? Get in touch with one of our Certified Mortgage Specialists below. With mortgage rates at all-time lows, there's never been a better time to finance and save! Questions? Call 866.873.4968.

Northern California Southern California

Shelley Duckart 
Senior Mortgage Specialist 
NMLS# 604803
200 B Street
Davis, CA 95616
O: 530.757.9473
C: 530.681.3126

Apply Now!

Kathleen Dallas-Orr
Senior Mortgage Specialist
NMLS# 597603
3100 Gilman Drive
La Jolla, CA 92093
O: 858.334.6556
C: 858.967.1161

Apply Now!

Patrick Ignacio
Senior Mortgage Specialist
NMLS# 283940
2350 Shattuck Avenue 
Berkeley, CA 94704
O: 510.549.8618
C: 510.393.0304

Apply Now!

Donald E Coleman
VP, Real Estate
NMLS# 405825
10120 Pacific Heights Blvd, Suite 100
San Diego, CA 92121
O: 858.795.6155
C: 619.384.1040

Apply Now!


Roberto Limon 
Mortgage Specialist 

NMLS# 1139041
10120 Pacific Heights Blvd, Suite 100
San Diego, CA 92121
O: 858-795-6540
C: 858.964.8844

Apply Now!

1. All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Must be owner occupied 1-4 unit residence or 1-4 story condominium in California. Conventional loans only. Borrower must provide a complete, system-generated non-locked interest rate Loan Estimate, containing the other lenders name, dated the same day as the rate quoted by USE Credit Union, and disclosing the same loan program as offered by USECU. If such non-locked interest rate Loan Estimate shows an equivalent or lower interest rate and closing costs, and we have verified the accuracy of the rate and fees listed, then we will have the option of beating that lender's total loan costs by $100 or paying the member $750, once they close the loan with that lender and provide us with a copy of the signed Note, Closing Disclosure and the Final Closing Statement). If the borrower provides copy of Loan Estimate where the interest rate is locked, this loan is not eligible for the Best Price Guarantee. However, USECU will still attempt to beat the competitors pricing outside of the Best Price Guarantee. Product restrictions apply. 2. To be eligible for the same day pre-approval decision you must provide us with all requested information, including permission to obtain a credit report. For a same day pre-approval decision from one of our Mortgage Specialists, such information must be provided by 3:00 p.m. PST, Monday through Friday. If pre-approved, your pre-approval is valid for 90 days. 3. Approved, conventional, purchase loans only. Void when delayed closing is required by law. Closing date must be mutually agreed upon between seller, borrowers, USECU, and borrowers or sellers Escrow Company. The Escrow Company must provide all required documentation, in agreed upon time frames. Timely request for adjustment under guarantee is required.


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