Mortgage Options Built Around Real Life
Get low interest rates, tons of mortgage options and UMe on your side!
Buying or refinancing a home is a big deal — and it can feel overwhelming fast. Rates, terms, paperwork, decisions… it’s a lot.
That’s why at UMe Credit Union, we keep it real (estate).
No pressure. No confusing jargon. Just real conversations, real options, and a team that’s genuinely on your side from start to finish.
Mortgage Options That Meet You Where You Are
There’s no one-size-fits-all when it comes to homeownership — and we don’t believe your mortgage should be, either.
At UMe, we offer a variety of mortgage options designed to support different financial situations, lifestyles, and goals. Some of our most popular options include:
40-Year Adjustable Rate Mortgage (ARM)
- Designed to offer one of the lowest possible amortized monthly payments available today
- Can help U afford more home, access more cash, or keep your monthly payment as low as possible
Bank Statement Mortgage
- Designed for self-employed borrowers and others with non-traditional income
- Uses bank statements instead of tax returns to help U qualify
Additional Purchase and Refinance Options
- Designed to support a wide range of buying and refinancing needs
- Gives U flexibility to choose an option that aligns with your financial goals
UMe on Your Side, Every Step of the Way
What really sets UMe apart? The people.
From your first conversation to closing day (and beyond), you’ll work with a team that cares about your experience just as much as the outcome. We’re here to answer questions, explain the details, and advocate for what’s best for you — because that’s what being member-owned is all about.
Let’s Talk About What’s Possible
If you’re thinking about buying, refinancing, or just want to explore your options, we’re here and happy to help.
We keep it real (estate) — with guidance you can trust and a team that’s always in your corner!
Disclaimer: U matter to Me (to all of us) at UMe — and that’s why we do our best to deliver helpful information on our blog. Please note the following: (1) UMe Credit Union works hard to make certain that the information we post here is as accurate as humanly possible. But as you know, information can change and evolve quickly. While we try to update the blog on a regular basis, the content of some older posts may not be correct or up-to-date. (2) Some destinations on the World Wide Web that we link you to will exist on external websites. UMe Credit Union does not officially endorse any connected sites, nor do/did we compensate or get compensated by any entities to be featured in our posts (unless otherwise noted). (3) Everyone’s situation is unique and we advise you to consult with our personal bankers or your finance, tax, or legal professional for advice individualized to you!