Home  Loans

Man and woman sitting in their new home purchased with a UW Credit Union mortgage

Looking to trade your monthly rent for a home you can call your own, move up from your “starter home” or just lower your monthly payments? Whatever your goal, you can trust UW Credit Union to help you find the right mortgage for you. Apply for a new home loan or refinance today.

30 Year Fixed Rate


7 / 1 ARM


7 Year Jumbo ARM


15 Year Fixed Rate


12 Year Fixed Rate - Rapid Refinance Only1


Lowest Closing Cost Commitment

If you are able to get lower closing costs on your home loan with another lender, even with a promotional offering, we’ll match it or give you $500.


Special Offer for First Time Homebuyers

 Let us make financing your first home simple and affordable. As part of our special offer for first-time buyers, you'll get $1,000 off closing costs.

Learn More

Our Loan Programs Fit Your Needs

Our mortgage experts can help you find the right loan for your situation and budget. Our goal is to make the process easy and stress free.

Simply complete your application online and one of our loan officers will contact you and work with you throughout the process.

Have questions? Call us first. We take the time to understand your needs and answer your questions.

Home Buyer Options

Couple sitting on the floor of their new home financed with a loan from UW Credit Union

First-Time Home Buyer

  • You could save up to $1,000 off closing costs with our first-time home buyer program.3
  • Learn more when you attend a First-Time Home Buyer seminar 

Fixed-Rate Mortgage Loan

  • 30-year term for low monthly payments
  • 15-year term to pay less interest over time

Wisconsin Housing and Economic Development Authority (WHEDA) Programs

  • Great option for low- and moderate-income home buyers
  • 3% down payment
  • 30-year fixed-rate

Federal Housing Authority (FHA)

  • 3.5% down payment
  • Flexible credit limits
  • No income limits

Federal Veterans Affairs (VA)

  • Financing amounts based on Certificate of Eligibility issued by Veterans Administration
  • Fixed-rate financing

Adjustable-Rate Mortgage (ARM) Loan

With a lower initial payment, an ARM may give you greater flexibility to purchase your dream home.

  • Ask about our 15/15 ARM where the rate adjusts once after the initial 15-year term.
  • 3, 5, and 7-year ARMs also available.

Construction Loans

  • Loan amounts up to $800,000
  • Use for a lot you own or one you are purchasing through a builder or third party
  • Call to apply

 Jumbo Loans

  • Adjustable-rate mortgages are available in amounts from $453,150 to $800,000. Exceptions can be made for higher amounts.
  • Fixed-rate mortgages are available in loan amounts up to $1 million


Couple exploring home refinancing options on a tablet

Refinance Your Home

Looking to save money over time, reduce your monthly mortgage payment or put your home equity to use?

Our mortgage loan officers can help you decide if refinancing is right for you.

Save Money

  • With our low closing costs, even a small rate reduction can save you money
  • Lower your monthly payment
  • Decrease the amount of interest paid over the life of the loan

 Reach Your Goal

  • Build equity faster
  • Upgrade to a larger home
  • Take cash out for another purpose

Jumbo Refinancing Available

  • Adjustable-rate mortgages are available in loan amounts of $800,000 or higher
  • Fixed-rate mortgages are available in loan amounts up to $1 million

Calculate Your Savings Apply Now

Rapid Refinance – Pay Only $149 in Closing Costs

If you’re planning to pay off your home loan within 15 years and want to refinance without the traditional closing costs, then this is a quick and simple solution.

Save Money and Time

  • Pay only $1494 in closing costs
  • 12-year term with low fixed rate
  • Up to 75% cash out


  • Loans up to $249,900
  • Primary residence and owner-occupied homes, including 1-4 units and condos

Calculate Your Savings Apply Now

Couple drinking coffee in their kitchen while discussing UW Credit Union's rapid refinance services