Fixed-Rate Mortgages

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Lock in your rate and monthly payment for the life of your loan.

A fixed-rate mortgage has a rate and payment (principal and interest) that stay the same for your entire loan term. For today's rates and payments, get a rate quote.

  • As low as 3% down payment options available.
  • Choose a term of 10, 15, 20 or 30 years.
  • Talk to us about our HomeReady Loan that offers affordable down-payment financing for low- and moderate-income borrowers

Fixed-rate home loans are often a good choice when:

  • You want to stay in your home for many years.
  • You think rates may go up in the future and want to lock a low rate now.
  • You prefer steady monthly payments for your budget.

Different terms offer different benefits:

  • Longer terms have higher rates but lower monthly payments.
  • Shorter terms have higher monthly payments, but your rate is lower and you pay less interest over time.

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15-Year Fixed Rate Purchase


30-Year Fixed Rate Purchase


Ask about our extended rate locks! Now available. 

Explore closing cost discounts available with your mortgage at UW Credit Union.

The Lowest Closing Costs + More Discounts 

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

Plus, take up to $1,250 more off1,2—and if you find lower costs somewhere else, we’ll make it worth your effort.** 

>> Explore Offers 

Get Started Today

Complete your FREE preapproval in under 15 minutes! In today's market, having a verified preapproval in hand from a trusted lender can make all the difference. 

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Have questions or need more help?


Schedule an Appointment

Schedule an appointment to connect with a UW Credit Union expert.

Appointments are available via phone or in person with our mortgage loan officers.>> Schedule Here

Request a Call

Complete this fast form and our loan experts will call you.

Complete this form with your contact information and get a fast response from one of our experts! 
>> Request a Call

Connect with a Mortgage Loan Officer

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Our knowledgeable and experienced team of mortgage loan officers is looking forward to working with you. 
>> Meet Our Team


Learn more about home loans and get answers to frequently asked questions.

>> Explore FAQs


Easy Home Loan Process

As one of Wisconsin's top lenders3, we're here to make the loan process easy and stress free.

>> Our Process

Helpful Calculators

Use these free calculators to help you understand your personal situation and explore your options. 

>> Free Calculators