[1] Offer and terms subject to change. Loans subject to credit and collateral approval as well as program terms and conditions, available on new mortgage applications. Payment example, $250,000 financed for 360 months at a fixed rate of 6.922% APR equals a monthly payment of $1,642.32 . Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Financing up to 100% of the retail value of the property is available. Up to 360 months financing available. PMI stands for private mortgage insurance. Mortgage insurance is typically required if you are borrowing a large percentage, usually over 80%, of the property’s value. You can potentially get 100% financing with no PMI. Certain restrictions apply.

[2] Excludes Alaska, Hawaii, and Texas.

[3] Excludes locations that are specified as Commercial Loan Offices.

[4] Payment example, $258,750 retail value of property with 3.5% down amounts to financing $250,000 financed for 360 months at an adjustable rate of 6.421% APR equals a monthly payment of $1,539.29. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Rate may be increased after consummation.

[5] 20% down is for well-qualified borrowers.

[6] Payment example, $250,000 financed for 15 year term / 30 amortization schedule balloon at 7.922% equals a monthly payment of $1,812.67 for 15 years. If only the minimum monthly payment is made, at the end of the 15 year term, a minimum $191,120.78. balloon payment is due.

[7] 0.125% rate discount available to applicants who register, before loan closing, to have their mortgage payment automatically deducted from a United Rewards or Ultra Checking account each month. Offer and terms subject to change. Loans subject to credit and collateral approval as well as program terms and conditions. Payment example, $250,000 financed for 360 months at a fixed rate of 6.922% APR equals a monthly payment of $1,642.32. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Financing up to 100% of the retail value of the property is available. Up to 360 months financing available. Certain restrictions apply. For well qualified buyers

[8] APR=Annual Percentage Rate. Limited-time rate as low as 5.490% available only on 3/1 adjustable-rate mortgages (ARM) closed after 09/23/2024. Rate and terms subject to change at any time. Loan subject to credit and collateral approval as well as program terms and conditions. Payment example, $250,000 financed for 3-year term ARM at 5.490% equals a monthly payment of $1,417.90 for 3 years. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. 3-year fixed-to-adjustable rate: Initial 5.490% rate is fixed for 3 years, then becomes variable based on an index and margin. Rate may be increased after consummation. Rate includes a .125% discount available to applicants who register, prior to close, to have their mortgage payment automatically deducted from a United Rewards or Ultra Checking account each month. This offer is exclusive to refinances only. New purchases will not be eligible for the limited-time rate as low as 5.490%. Refinance loan-level price adjustments (LLPA) may be added to the advertised rate based on your financial situation, like your credit score or the amount of your home’s value you're borrowing.

[9] Subject to credit approval. Only first lien purchase-money mortgages originated with United Federal Credit Union with an application date between 08/01/2024 and 09/30/2024 inclusive and with a closing date on or before 12/31/2024 will be eligible for a “Buy Now, Refi Later” credit toward lender fees up to $975.00 upon refinancing. To apply the “Buy Now, Refi Later” credit, (i) borrowers must meet all lending criteria at the time of refinancing, including without limitation satisfactory collateral, credit score, debt-to-income ratio, loan-to-value ratio, and mortgage payment history; (ii) borrowers must apply to refinance the purchase-money mortgage on or before 9/30/2027 and the refinancing must close with United Federal Credit Union no later than 12/31/2027; (iii) refinancing transaction must be secured by a first lien; (iv) at least 6 consecutive on-time payments must have been made to the purchase-money mortgage; and (v) all of borrowers’ loans with United Federal Credit Union must be current and not otherwise in default. Cash-out refinancing's not eligible for the “Buy Now, Refi Later” credit. This is not a commitment to lend. Lender credit only applicable to lender fees, such as application, origination, commitment, processing, underwriting, administration, and funding fees. Lender credit does not apply to fees charged to reduce the interest rate, including discount points and buydown fees, or other costs and fees paid to third parties, including without limitation tax service fees, wire fees, charges for appraisals or property valuations, property insurance costs, flood insurance costs, property taxes or escrow account funding costs, credit report fees, settlement agent/attorney fees, title insurance fees, notary fees, or government fees. Offer is void where prohibited, may not be redeemed for cash, and is non-transferrable. Refinancing an existing loan may cause total finance charges to be higher over the life of the loan. There is no guarantee that a lower interest rate or payment will be available at refinancing. “Buy Now, Refi later” credit may not be combined with any other offers, discounts, or promotions. To claim to the credit, borrower must present their “Buy Now, Refi Later” Credit Eligibility Certificate at the time of application for refinancing.