Mortgage Learning Center

Home Loan Tools & Resources

Discover what you need to apply for a loan, learn about the home buying process, or use one of our helpful calculators.

Calendar

Monthly Payments: Understand what your payment could be based on purchase price and your down payment.

Scale

Home Affordability: Use this calculator to estimate how much you can afford to borrow with a new mortgage.

ARM vs. Fixed

Adjustable Rate Mortgage vs Fixed Rate: Compare these two popular loan types and see which option might work for you.

Looking for more? Explore All Calculators

Featured Rates

Looking for more info? See all the types of loans we offer or compare options.

15/15 Adjustable Rate Mortgage

RATES AS LOW AS

6.625

Rate

6.510

APR *

30-Year Fixed Rate

RATES AS LOW AS

6.125

Rate

6.172

APR *

Construction

RATES AS LOW AS

5.375

Rate

5.838

APR *

Explore All Mortgage Rates

Affordable Lending at UW Credit Union

Our mortgage loan experts are here to help make homeownership more attainable³ for more buyers. That’s why we offer affordable lending options like WHEDA loans, Home Ready and Home Possible, along with down payment assistance programs to qualified buyers.

These and other programs like them are designed to help buyers with smaller down payments or less-than-perfect credit achieve their dream of owning a home. Our knowledgeable, local home loan experts are here to help find the best option for your situation and walk you through each step in the process.

Talk to one of our local experts to find out whether affordable lending programs are a good fit for you.

Articles

Check out our featured articles or explore the full library.

Couple reviews paperwork with a mortgage loan officer.

Tips for a Smooth Homebuying Experience

Establishing your priorities and understanding the process are the foundation of homebuying success.

Should I Buy or Rent?

If you’re interested in taking the leap from renting to buying, ask yourself these questions.

Hidden Costs of Homeownership

Understand how much house you can afford by looking beyond the mortgage payments.

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Home Loans Library

Visit the library for a variety of articles including on topics including: how to prepare to buy, how to add value to your existing home, saving for your first home and more.

First-Time Homebuyers Guide

Do you know why your credit score matters when buying a home or what to expect during the closing process (and what fees there might be?) It's all right here in our first-time homebuyers guide.>> Get the Guide

Deciphering the Mortgage Language

During the mortgage process, you may come across unfamiliar terms. Getting to know the language of home loans can you help feel more confident and informed.

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Mortgage Glossary

For even more helpful terms, visit our homebuying glossary.

Lowest Closing Costs

Lowest Closing Cost Commitment + More Discounts

Don’t bother shopping around for low closing costs. They’re right here.

Plus, take up to $1,250 more off^1,2—and if you find lower costs somewhere else, we’ll make it worth your effort.**

>> Explore Offers

Understanding the Application Process

The first step toward your new home loan is to apply online.

Our online application offers a one-stop shop:

Get a fast preapproval for your home purchase
Track your loan status 24/7 from any device
Upload all your documents, like tax returns and pay stubs
Link directly to your accounts to streamline your application
Receive updates as your loan progresses
See next steps and stay in the know

Your dedicated mortgage loan officer will provide expert guidance and answer your questions along the way, so you can feel confident at every step.

Get in Touch

We want you to feel at home with your home loan. That's why our local experts are always ready to answer your questions, understand your goals and help you take a smart step forward.