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Meet with a Mortgage Advisor

Make your appointment to meet in person and discuss rates, loan types, get some advice or start the loan process. There is no obligation or commitment with these meetings. They are simply a service to our members to inform and help them make the best decision for them.

Make Your Appointment

  • Repayment options include 30, 25, 20, 15, and 10-year terms
  • A variety of mortgage loan types including Conventional, FHA, and VA
  • As low as 3% down payment options for qualifying applicants1
  • Complimentary pre-approval for qualifying applicants
  • Applications accepted for ALL 50 STATES*

USSFCU's in-house mortgage team is here to assist you through the entire mortgage purchase or refinancing process.

Start Application  Contact our Dream Team

Need to make a mortgage payment or more information about your mortgage loan? 

Midwest Loan Services

(mortgages serviced 2017-2021)


CUMA Loan Services

(mortgages serviced prior to 2016 and 2021 to present



Not all home loans are the same. The loan type you choose will affect how much you will need for a down payment, the total cost of your loan, and the house price range you can consider. Each loan is designed for different situations. Sometimes, only one loan type will fit your situation. If multiple options fit your situation, let’s talk through different scenarios so you can see which type is the best offer for you.

Conventional Loan an option for buyers with good credit

A majority of mortgages are conventional loans. Conventional means that the loan is not part of a specific government program. Conventional loans can cost less than FHA loans but can be more difficult to get.

  • Lower closing costs
  • No private MI for 20% or more down payment
  • 5% down payment option (can be gifted funds if credit score is 660 or higher)
  • 6% seller contribution maximum allowed with 90% loan-to-value (LTV) maximum
  • 3% seller contribution allowed with LTV of 90% or higher

FHA Loan an option for buyers with limited funds

An FHA Loan is a mortgage that's insured by the Federal Housing Administration. For borrowers with lower credit scores or a smaller down payment, FHA loans can be a practical option. With down payment requirements as low as 3.5%, FHA loans are especially popular with first-time home buyers.

  • Only a 3.5% down payment is required
  • Non-occupying co-borrowers allowed
  • Down payment can be a gift or loan to the borrower from an eligible source, such as a family member or a state housing agency program.

HomeReady® by Fannie Mae an option for modern buyers.

With HomeReady, cash for down-payment and closing costs can come from multiple sources, including gifts and grants—with no minimum personal funds required.

  • Non-traditional credit allowed1
  • Down payment options as low as 3%2
  • Reduced mortgage insurance with the opportunity to cancel3
  • Various forms of income accepted for down payments and closing costs—including gifts and grants4

VA Loan an option for active and retired military and their spouses.

To be eligible for a VA loan, you must have sufficient entitlement available and be a(n): veteran (single or married), active duty service member, National Guard member, reserve member, or surviving spouse of an eligible veteran (certain restrictions apply).

  • 100% financing
  • Seller of a home can pay closing costs: up to 2 discount points, the prepaids, and an additional 4% (toward the buyers discretion)
  • No monthly mortgage insurance required
  • Buyers can add up to $6,000 to their VA loan to have energy-efficient improvements installed

All loan programs, rates, terms, and conditions are subject to change at any time without notice. Restrictions apply. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend.

1 A minimum of three sources of nontraditional credit are required for HomeReady loans. If a borrower does not have a housing-related source of credit, a minimum 12 months’ of reserves may be required. Restrictions apply.  Financing up to 97% loan-to-value (LTV) can use any fixed-rate term (10-, 15-, 20-, 30-year). Other loan program restrictions may apply. 3 A minimum of 20% established home equity required before borrower is eligible to terminate MI. Other restrictions apply. Standard MI coverage is required on HomeReady® loans with LTV ratios at or below 90 percent, and 25 percent coverage is required for LTV ratios exceeding 90 percent. 4 Restrictions apply. HomeReady® loans are serviced under the requirements for all other Fannie Mae non-government conventional mortgage loans. All eligibility criteria and requirements are subject to the formal terms and conditions of the Fannie Mae Selling Guide, located at

The more you know about the home buying and mortgage process, the more confident you'll feel about making these important decisions that will shape your future. 

First Time Home Buyer Buying your first home is a big step, but it doesn't have to be a scary one. The first-time homebuyer guide will give you an overview of the home buying process as well as access to various prequalification and payment calculators.

Buying Already own a home but looking for a bigger space? Take the time to choose wisely. Here are some ideas to think about as you begin your search.

Refinancing Wondering if refinancing is right for you?  Here you'll find the information and tools you need to make the choice that's right for you. 

Loan Programs Overwhelmed by your options? You don't have to be. This will give you an overview of fixed-rate vs. adjustable rate and the different types of mortgages available within each category (15 yr., 30 yr., 5/1 ARM, 7/1 ARM, etc.).

Interest Rate Income Qualifier View your potential mortgage interest rate based on your yearly income.

Mortgage Glossary View a listing of commonly used mortgage terms.

Credit Union Mortgage Association Mortgage Calculators 

1 Only available to qualifying applicants through Fannie Mae's HomeReady Mortgage program. Financing up to 97% loan-to-value (LTV) for purchase of one-unit principal residence (Desktop Underwriter® (DU®) is required for LTV ratios >95%); up to 95% LTV for limited cash-out refi (LCOR) and up to 97% LTV for LCOR transactions in DU when the mortgage being refinanced is owned or guaranteed by Fannie Mae.

*Only conventional loans are available in all 50 states. Other mortgage loan types have limited availability state to state. Contact 1-800-231-8855 to find out if the mortgage loan type you are looking for is available in your state. Mortgage refinancing is not available in the state of Texas, purchase only. We do not offer CEMA transactions in the state of New York.

All loans subject to credit approval. For more information on loan programs, rates, terms and conditions visit All loan programs, rates, terms and conditions are subject to change at any time without notice. Not all members who apply for a USSFCU Mortgage Loan will be accepted.

The United States Senate Federal Credit Union complies with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). A list of our registered originators can be found by searching for the United States Senate Federal Credit Union here.

As a member of the MBa, we join the leading advocate for the real estate finance industry. The MBA provides USSFCU a comprehensive array of capabilities and tools that enable us to successfully deliver fair, sustainable and responsible real estate financing to our members and businesses.

The HMDA data about our residential mortgage lending are available online for review. The data shows the geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau's Web site ( HMDA data for many other financial institutions are also available on the previously referenced website.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

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