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 reduce your interest rate by 1/8th of one percent for the life of your loan.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 by completing this form, or contacting them per the contact info 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
Kathleen Dallas-Orr
Senior Mortgage Specialist
NMLS# 597603
3100 Gilman Drive
La Jolla, CA 92093
O: 858.334.6556
C: 858.967.1161
Patrick Ignacio
Senior Mortgage Specialist
NMLS# 283940
2350 Shattuck Avenue 
Berkeley, CA 94704
O: 510.549.8618
C: 510.393.0304
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
  Vicki Lisama
Senior Mortgage Specialist
NMLS# 1107720
8889 Rio San Diego Drive
Suite 102
San Diego, CA 92108
O: 858.795.6410
C: 619.602.6763
  Roberto Limon 
Mortgage Specialist 

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

All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Must be owner-occupied, single-family residence or 1-4 story condominium in California only. Product restrictions apply to all guarantees. 1. You must provide another lender's complete, system-generated Loan Estimate (LE) dated the same day as our quote. If the other LE shows an equivalent or lower interest rate and closing costs package for the same loan program we offer (and we can verify the quote), we'll beat that lender's total loan costs by $100 or pay you $750. You must close with the other  lender and provide us with a copy of the signed Note and Final Closing Statement. 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, by 3 p.m. PST Monday- Friday. Your pre-approval is valid for 90 days. 3. Approved, conventional, purchase loans only, using our preferred closing agent. Excludes loans for REO homes. Void when delayed closing is required by law. Closing date to be mutually agreed upon between member and us, and member must provide all required documentation. Timely request for adjustment under guarantee is required. 4. If the loan is canceled for any reason, we reserve the right to charge a cancellation fee as permitted by state law. Loans may be locked in at a lower rate once a member has signed a contract and is within five to 60 days before closing. Not available on all products.


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