Ready to Purchase or Refinance?

Start With a Money-Saving Quote.

You're just a few clicks away from getting important mortgage information. Whether your goal is a money-saving refinance or the purchase of a new home, our goal is to make your dreams a reality. Just answer a few brief questions and we'll get back to you with a free, personalized quote.

Why Choose USECU?
  • Best Price Guaranteed1
    (or we'll pay you $750)
  • Same-Day Loan Decision2
    (or we'll pay you $250)
  • On-Time Closing3
    (or we'll pay the seller $1,000)


*Indicates a Required Field

1. You must provide another lender's system-generated Good Faith Estimate (GFE) dated the same day as our quote. If the other GFE shows an equivalent or lower interest rate and closing costs for the same loan program we offer, 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 HUD-1 Settlement Statement. 2. You must provide all requested information by 3 p.m. PST Monday- Friday. Your pre-approval is valid for 90 days. 3. Approved, conventional purchase loans only. Excludes loans for REO homes. Void when delayed closing is required by law. Closing date and timing expectations to be mutually agreed upon between seller, member and credit union prior to acceptance of loan by credit union. The seller¡¦s escrow company must provide all required documentation within the agreed upon timeframe, or guarantee is voided. 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. Purchase loans only. Not available on all products. USE Credit Union is an Equal Housing Lender and does business in accordance with Federal Fair Lending Laws.