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My Mortgage, My Way

Everything you want in a home loan. Yes, everything. Guaranteed.

With USE Credit Union's My Mortgage, My Way program, you get everything you want in a mortgage, from the credit union that’s all about making your dreams happen.

  • Best-Price Promise. We’ll beat any lender’s rate and fee combination or pay you $750.1
  • Same-Day Credit Decision. Submit a complete application by 3 p.m., Monday-Friday, and we’ll respond the same day or pay you $250.2
  • On-Time Closing. We’ll meet the agreed-upon closing date or pay you up to $1,000.3
  • Extraordinary Service. Count on us to do everything we can to make your home loan experience smooth and stress-free!

We offer a range of mortgage options for both purchases and home loan refinancing. Let us help you choose the one that's right for your individual needs.

  Fixed-Rate Mortgages Adjustable-Rate Mortgages Adjustable/Fixed-Rate Jumbo Loans
Overview Perfect for your primary residence, a vacation home or to refinance a current home loan Enjoy potentially lower costs by choosing a fixed-rate period that matches how long you plan to live in the property or have the loan Our non-conforming loan option lets you secure property in higher-cost housing markets
Terms Up to 30 years Fixed rate periods of 5/7/10 years Up to 30 years
Possible Tax Deduction Yes Yes Yes
Full Documentation Yes Yes Yes
Alternative Documentation   Yes Yes
Best-Price Guarantee Yes Yes  
Home Advantage® with Cash-Back Rewards Yes Yes Yes
Rates View Rates


Apply Now

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Meet Our Team

Come learn about the current housing market, get helpful tips on home buying and various types of loans available in a comfortable and casual environment.

Select a Mortgage Specialist

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Attend a Home Buying Workshop

Come learn about the current housing market, get helpful tips on home buying and various types of loans available in a comfortable and casual environment.

Upcoming Workshops


Home Advantage

Buy, Sell and Save on Your Next Home!

Whether you're buying or selling a home, you have access to HomeAdvantage® - a comprehensive suite of services featuring easy-to-use search tools, a network of top agents and cash rewards.

  • Access the MLS, neighborhood demographics and recent sales (without giving up your privacy).
  • Connect with one of our local preferred real estate agents to help you buy or sell your home - and save!
  • Choose from an array of financing choices with great rates, low fees and expert local service.
  • Use an in-network real estate agent and earn cash rewards equal to $2,3524. Take your rewards and apply it toward closing costs or cash - your choice!

Start your search

Calculate Your Payments

Learn how much home you can afford or how much your mortgage payment will be.

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 attempt to beat the competitors pricing outside of the Best Price Guarantee. Product restrictions apply.

2. To be eligible for the same day loan decision you must provide us with all requested information, including permission to obtain a credit report. For a same day loan decision from one of our Mortgage Specialists, such information must be provided by 3:00 p.m. PST, Monday through Friday

3. Approved, conventional, purchase loans only. Void when delayed closing is required by law. Close of Escrow date must be mutually agreed upon between seller, borrowers, USECU, and borrowers or sellers Escrow Company, prior to locking interest rate. All parties involved in transaction must provide all required documentation to credit union within the agreed upon time frames. Timely request for adjustment under guarantee is required. Equal Housing Lender. © 2017. All rights reserved.

4. The HomeAdvantage program is made available through a partnership with CU Realty Services. Program rewards are awarded to buyers and sellers who select and use a real estate agent in CU Realty Services' approved network. Members are not eligible for the rewards if they use a real estate agent outside the CU Realty network. Using USE Credit Union for a mortgage is not a requirement to earn your rewards. Example of rewards amount shown above represents the average member cash rewards received since 2017. USE Credit Union is not affiliated with CU Realty Services.