Mortgage Loans

Great options for purchases and refinancing.

Already started an application? Click Here

Taking steps to make purchasing your dream home a reality!

Whether you’re purchasing a new home in Nashville or refinancing your current home in Mt. Juliet, we are here to help you with pursuing your home ownership goals. USCCU provides excellent mortgage products and a knowledgeable staff to get our members and our middle Tennessee community in the home of their dreams. Still have a few questions? We’re here with answers! Just give us a call.

Fixed Rate Products

  • Available with 10, 15, 20 and 30 year terms
  • Low interest rate that will remain the same for the entirety of your loan, no matter the market
  • Monthly principal and interest payments will remain the same, allowing for easy budgeting


Adjustable Rate Products

  • Currently offering 5/1, 7/1 and 10/1 products
  • A fixed rate for the first 5, 7, or 10 years, respectively After the initial term expires, your interest rate can adjust up or down annually, depending on market changes
  • Typically, ARMs have a lower initial interest rate than a fixed-rate product
  • Includes interest rate caps, which limit how high your interest rate can rise
  • Amortized up to 30 years available


VA Rate Products

  • Available to eligible Veterans on 30 or 15 year terms
  • Generally lower interest rates
  • No Mortgage Insurance added to monthly payment
  • No down payment required on eligible purchase loans


Land Product

  • Only available with a 15 year term and requires a 20% down payment
  • No structures are allowed on the property at the time the loan closes


Ready to Apply?

Click an Apply Button below to start your loan application with one of our mortgage loan officers. As you complete the application, please use your best estimate if documentation is not available as this will affect loan decisions and pricing.

What you will need:

  • Documentation for all borrowers, including:
  • Social Security Number
  • Contact and employment information
  • Best estimates of income, assets and liabilities

After you have finished:

  • We will contact you to:
  • Guide you through the loan process
  • Complete your loan application package
  • Help you select the best product and interest rate

Apply with

US Community Credit Union has been named one of the Top 14 Mortgage Lenders in Middle Tennessee by