UICCU is the #1 home loan lender in Iowa.

For more information on UICCU's Home Loans, click here

Follow this link for more information on Home Equity Loans .

UICCU is the #1 home loan lender in Iowa. We offer low rates, no 1% origination fee, and up to 100% financing. Looking to fix up your home, take a vacation or finance your child’s education? Consider a fixed rate home equity loan or line of credit with low closing costs. Please find more information about home and home equity loans below. Then give us a call, stop by a branch, or click Apply Online.

Prospective borrowers can reach our mortgage department at 877-527-3510

Mortgage Loans with up to 100% Financing - uiccumortgage.com

First Mortgage Home Loans

UICCU is the market leader in home loans. Whether purchasing, refinancing, or constructing, our home loan department has experienced professionals ready to serve you.

Fixed-Rate Loans

UICCU offers fixed-rate mortgage loans through several vendors so we can lock in the lowest rate possible for you. We have programs for first time homebuyers and even offer ways to avoid Private Mortgage Insurance (PMI). Learn More .

Adjustable-Rate Loans

UICCU offers in-house adjustable-rate products if you need 100% financing or don’t plan to stay in your home long-term. We even offer ways to avoid Private Mortgage Insurance (PMI). Read More .

USDA Rural Development Loans

This program provides loans for low to moderate income families in rural Iowa achieve their dream of home ownership. Up to 100% financing is available. Click here to learn more or visit www.rurdev.usda.gov/ia

Veterans Affair (VA) Loans

We’re proud to offer VA Loans for American Veterans and eligible surviving spouses. Click here to learn more or visit www.benefits.va.gov/homeloans .

Jumbo Mortgage Loans

For borrowers needing a loan amount greater than $424,100, UICCU offers Jumbo Mortgage loans with a low fixed rate and no 1% origination fee.

Check Rates Mortgage Calculators Apply Online

Mortgage Education Center

Did you know?
Unlike many financial institutions, UICCU does NOT charge a 1% origination fee on mortgage loans. That puts millions back into the pockets of our mortgage members each year.

Second Mortgage Home Equity Loans

Did you know? You can use your home equity funds for whatever you like: home improvements, finance an education, pay off high interest debt, or take a vacation. It's up to you! 

Home Equity Rates 

UICCU is the #1 home equity lender in Eastern Iowa. A home equity loan allows you to use the equity you have tied up in your home for other purposes, such as paying for home improvements, buying a car, or financing an education. Our fixed rate line of credit allows you to establish a credit line and then advance funds as you need them. Our equity loan has a fixed term. This type of loan is ideal for members that have a particular project or purchase in mind, and therefore know the exact amount they need to borrow. Here is what you get with either the loan or credit line:

  • A great low rate and low payment
  • Flexibility on the loan purpose
  • Fixed terms of 5, 10, or 15 years
  • No prepayment penalties
  • Discounted insurance coverage through UICCU Insurance
  • PayBreak Debt Protection

Ask about our Home Equity Line of Credit! 

Home Equity Line of Credit. Flexibility you'll like. Rates you'll love.

Current Rates Apply Online

UICCU Insurance Logo

At UICCU, we also offer insurance products through our wholly owned subsidiary, UICCU Insurance. The professionals at UICCU Insurance will shop multiple carriers to find you the best value for your auto, home, life or business. Click here to request a free, no obligation quote.

Did you know? Certain insurance providers offer additional discounts just for being a credit union member.

PayBreak Debt Protection

Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen…life happens. Help play it safe with PayBreak Debt Protection*. PayBreak is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), PayBreak will cancel or reduce repayment of your loan debt. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life
  • Disability
  • Involuntary unemployment

Call 800-397-3790 and ask about protecting your loans, today.

*Your purchase of PayBreak is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of PayBreak.