Do you need a mortgage loan?
Eastern Utah Community Credit Union offers conventional mortgage loans with fixed rates. If you are considering refinancing, purchasing or doing home improvements, we can help. For information, contact your local branch for mortgage inquiries.
Our Mortgage specialists can help you with any details about:
We offer a wide range of products for your wide range of needs.
FHA – (Federal Housing Administration)
FHA's will help you buy a home when you do not have the funds for a large down payment. The Federal Housing Administration gives us a chance to offer homebuyers another financing option that grants more options. These options include lower down payment, competitive rates, a higher debt-to-income, and simplified credit standards.
USDA – (United States Department of Agriculture)
A USDA loan is a specialized product for home buyers with below-average income. We offer up to 100% financing and reduced mortgage insurance premiums, while being backed by the government allows below-market mortgage rates. The USDA loan has no maximum purchase price limit allowing the ability to finance repairs and closing costs into the loan. Property is subject to eligibility.
VA – (Veteran Affairs)
The VA loan is offered to military borrowers including active-duty personnel, veterans, members of the reserve, National Guard members, and their surviving spouses. To qualify, the home must be occupied as a primary residence. Only one VA loan can be in the military borrower’s name at once. On eligible loans no down payment may be required.
Conventional – (Fannie Mae and Freddie Mac)
The conventional loan allows borrowers to purchase or refinance their homes. With as low as 3% down for First-Time Homebuyers, flexibility in source for down payment, and with gift funds being acceptable, this makes the EUCCU loan a great option for our members.
In-House Mortgages (Closed-End and HELOC)
We have the ability to offer In-House financing for 80% or less loan-to-value properties. This is a great option for members who have lower debt-to-income with good pay history and credit score. No mortgage insurance required. We offer flexibility with terms to allow for affordable monthly payments, quick approvals, and competitive rates.
Read more about our HELOC's.
Eastern Utah Community Credit Union (NMLS#407924) and its mortgage representatives are registered with:
The National Mortgage Licensing System Registry