United Services Credit Union wants to make it easy for you to save money on your mortgage. Either click on the "Mortgages" link located on the left hand side of the home page or the link below. Follow the instructions under Pre-Qualify or Loan Consultant. Answer the questions to the best of your knowledge and you will obtain a fairly accurate rate quote. You will notice that our user friendly application will allow you to modify different variables, compare mortgage products, use mortgage calculators, etc, until you find the loan that better fits your needs.

Email your questions mortgages@us-cu.org or call us anytime at (828)255-0809 ext 215

Click here to apply today whether you are buying a house or refinancing your current mortgage

USCU Mortgage Brochure

Frequently Asked Questions

Q- What's your lowest rate?
A- Depends on several factors such as the applicant's credit score, how much of the value of the house is being financed (LTV), how much money is being put down, the mortgage product being applied for, etc.

Q- Do you finance mobile homes?
A- Yes, as long as it is on a permanent foundation and the wheels and hitch have been removed.

Q- Do you have any programs for first time home buyers?
A- We don't have any special programs such as FHA, VA, USDA

Q- Do you charge any fees?
A- There are no fees; there is a $350.00 deposit instead which is credited back at closing. However, if the loan does not close, the deposit is not reimbursed

Q- How much are the closing costs? How much is the down payment?
A- The closing costs are variable; they depend on the amount of the loan and riskiness. When buying a house, a minimum 10% downpayment is mandatory

Q- How much can I refinance?
A- 80% of the home value. The borrower can take cash out; however, the amount of the refinance and the cash out can't exceed 80% of the value of the house

Q- Do I qualify for the $8,000.00 tax credit?
A- You need to consult with your tax advisor and/or check the IRS website

Q- What credit score do I need? Debt ratio?
A- The lowest credit score to qualify is 620, 680 is preferable. The maximum debt ratio is 45%

Q- How long is the process?
A- Less than 45 days