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Loans » Home Loans

Home Loans

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Rapid Refinance
If you're planning to pay off your home loan within 15 years and are interested in refinancing without the traditional closing costs, then our 12 year fixed rate Rapid Refinance program may benefit you.

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This is a Qualifying Service
Featured Rates**
Rapid Refinance 12 Year Fixed Rate
Rate APR* Points
2.990% 3.001% 0.000%
7 Year ARM
Rate APR* Points
3.250% 3.404% 0.000%
30 Year Fixed Rate
Rate APR* Points
4.000% 4.031% 0.000%
15 Year Fixed Rate
Rate APR* Points
3.250% 3.304% 0.000%

Home Loans For Less

$999 Off Closing Costs

We make homeownership easy and affordable. Take advantage of our closing cost offer for 7-year ARMs or choose from a variety of our budget-friendly loan solutions.

UW Credit Union makes the home loan process simple. Whether you're making the transition from renting to buying, trading up for more space or are refinancing to a lower payment, you can turn to us.

Watch our video about recent home loan process changes.

*APR is annual percentage rate. Rates are subject to change.

$999 off home loan closing cost option is available for 7-year adjustable rate purchase transactions only. The $999 discount will be applied at closing as a lender credit. Offer valid on purchase transactions closed January 2, 2017, through May 31, 2017. Offer applies to single-unit owner-occupied properties only. Offer excludes refinances, lot, construction, FHA, WHEDA and VA loans. Assumptions: 3.25% rate, 3.528% APR (Annual Percentage Rate), loan amount of $150,000 and a 20% down payment, term of 360 months and monthly payments of $652.81. Payment does not include taxes and insurance. Rate is subject to change. Offer is subject to credit approval and underwriting and is subject to change. Escrow and daily interest charges are not included in closing cost amount. Mortgage insurance is required for transactions over 80% LTV. No checking account required. No other discounts apply. See us for details.

** Rates & APR. Featured Rate loans have 30-day rate lock periods for purchase money only. Fixed and Adjustable Rate Loans – Displayed rates assume a value of $250,000 with loan amount of $150,000 and a minimum credit score of 740.

1 Rapid Refinance has a $149 processing fee due at closing. Must be a primary residence and owner-occupied home. Other closing costs are waived, except for the appraisal cost if required. Appraisal costs range from $200 to $400 depending on the loan amount. Homeowner's insurance is required. $149 processing fee applies to new Rapid Refinance requests. If less than 24 months have elapsed since last Rapid Refinance, a $795 modification fee will apply.

2 UW Credit Union is ranked among the top ten home loan lenders in the state based on information from county Register of Deeds Offices; CoreLogic.



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UW Credit Union's Routing Number: 2759-7907-6
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UW Credit Union
pref 3500 University Avenue
Madison, WI 53744-4963 43.075532 -89.448226
UW Credit Union, postal PO Box 44963, Madison, WI 53744-4963
43.075532 -89.448226