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.

Get PreapprovedApply Now


15-Year Fixed Rate Purchase

Rates as Low as

30-Year Fixed Rate Purchase

Rates as Low as

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 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.

Phone Number 

(800) 533-6773

Already started an application? Pick up where you left off.

ITIN Lending - UWCU is proud to accept ITIN for mortgage lending applications. 


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