Need help choosing a loan?

Our mortgage loan officers will ask you questions to fully understand your situation, then present the best options for you.

Phone 608-232-5000, ext. 2810
800-533-6773, ext. 2810
Loans » Home Loans » Home Loan Choices

Get a Home Loan that Suits You

We have a loan program to fit your situation. Besides conventional fixed- and adjustable-rate financing, we have a variety of loan programs which require lower down payments.

Fixed-Rate Loan

This is a good option if you prefer knowing that your rate and payment will not change. Choose a longer term to keep your payment low or a shorter term to save money over time.

  • Jumbo Fixed-Rate Loans

  • Our fixed-rate mortgages are available in loan amounts up to $1 million.

Adjustable-Rate Loan

In many situations, an ARM loan may be just what you need to get into your dream home. With a lower initial payment, an ARM allows you greater flexibility.

We have a variety of ARM loans for your situation based on how long you plan to reside in your property or if you would be willing to refinance. Choose from ARM loans that have initial fixed payments for 3, 5, 7 or 15 years.

  • 15/15 ARM

  • Our 15/15 ARM gives you the best of both worlds – the advantage of a lower rate with the stability of a longer fixed payment period before the first adjustment. The loan can only adjust once after the initial 15 years.
  • Jumbo Adjustable-Rate Loans

  • Most of our adjustable-rate mortgages are available in loan amounts in excess of $800,000 or higher.

Federal Housing Authority (FHA)

These loans can help you achieve homeownership.

  • 3.5% down payment on purchases
  • Flexible credit limits
  • No income limits
  • Maximum loan amount varies by country

Wisconsin Housing and Economic Development Authority (WHEDA) Advantage

This program provides affordable fixed-rate loans and down payment options to low and moderate income home buyers.

  • 30-year fixed-rate financing
  • 3% down payment for existing single family residences
  • Income and loan limits vary by county
  • WHEDA Easy Close Advantage down payment assistance loan available to eligible borrowers
  • Loan options available with and without Private Mortgage Insurance (PMI).

Federal Veterans Affairs (VA) Loans

  • Financing amounts based on Certificate of Eligibility issued by the Veterans Administration
  • Fixed-rate financing
  • VA funding fee applies, but it can be rolled into the loan

Condominium Financing

And More.

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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