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. 


Calculate Your Payments

Use this interactive calculator to explore your financial options.

Use this helpful calculator to estimate what your monthly payment could be based on the purchase price and your down payment.>> Monthly Payment Calculator

Fast Online Preapprovals

Get preapproved for your home loan fast and easily at UWCU.

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. >> Get Preapproved

Explore Offers

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

Get up to $750 off closing costs (or more if you're a first-time homebuyer) just by choosing us for your mortgage.

>> View Current Offers

Get Started Today

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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 are looking forward to working with you. 
>> Meet Our Team