Make your move with UNCLE and save.

1. Up to $1,800.00 credit toward closing costs on new first mortgages originated and funded through UNCLE Credit Union. Offer available on purchases and UNCLE-to-UNCLE refinance loans. Offer may not be redeemed for cash or equivalent. Credit only available on approved funded loans from complete applications received by UNCLE from March 1, 2025, through May 31, 2025. If application proceeds delivery of Loan Estimate disclosure, lender credit amount (determined by cost of closing services to which credit applies) will be shown on the Loan Estimate and will generally not change absent changed circumstances. Exact amount of closing cost credit depends on closing costs incurred, not to exceed $1,800.00. Speak with an UNCLE mortgage consultant for more details. All loans subject to credit approval.

2. Advertised loans assume properties in CA, as well as escrow accounts (monthly collection of subject property taxes and any applicable homeowners insurance with your monthly principal and interest payment) unless you request otherwise and the loan program and applicable law allows. Should you choose to waive escrows, your rate, costs, and/or Annual Percentage Rate (APR) may increase. This is not a credit decision or a commitment to lend. Mortgage insurance may be required depending on loan guidelines. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. Maximum CLTV for rate & term refinances single family owner occupied, approved condominium, town home project is 80% when mortgage insurance is not obtained. Mortgage Insurance (MI) is required on all owner-occupied loans with greater than 80% CLTV. Maximum CLTV for non-owner occupied homes is 75% for 1 unit and 70% for 2-4 units.

3. Adjustable-Rate Loans: 5/6 ARM - Secured Overnight Financing Rate (SOFR) after the initial 5 years, the rate may adjust every 6 months by no more than 2%. The maximum lifetime adjustment is 5%. Maximum 97% LTV on conforming and high balance purchases and 97% LTV on refinances. 7/6 ARM - Secured Overnight Financing Rate (SOFR) after the initial 7 years, the rate may adjust every 6 months by no more than 5%. The maximum lifetime adjustment is 5%. Maximum 97% LTV on conforming and high balance purchases and 97% LTV on refinances.

4. High Balance Mortgages allow for higher loan limits beyond the $806,500 conforming limit up to $1,209,750 for high-cost areas as determined by the Federal Housing Finance Agency.

Equal Housing Lender. NMLS ID Number is 729232. Federally insured by NCUA.