UFCU Mortgage Login – How To Access & Manage Your Account

If you are looking for how to manage your UFCU Mortgage account online, then you are in the right place. The UFCU Mortgage Login gives you access to make your UFCU Mortgage payment online, speak with a loan officer, manage your UFCU Mortgage account, view transactions history, review statements, make use of calculator to calculate your mortgage, apply for mortgage conveniently from your smartphone or device, monitor the status of your loan, refinance your mortgage, check your balances, and many other transactions.

About UFCU Mortgage

The UFCU means University Federal Credit Union and was chartered in 1936, and has grown into a strong, healthy, and growing financial cooperative, serving more than 250 universities, associations and employers in Central Texas and Galveston County. The mortgage company has a total asset management of $4.657 billion with 368, 565 members.

The lender company opened for business with 30 members and $855 in deposits and obtained its organizational certificate establishing University Federal Credit Union (UFCU).  The Credit Union offers low-rate loans, deposit products and other variety of member services.

Today, the lender company has served over 100,000 members since inception and was started by a small group of professors at the University of Utah in 1936. Dr. Rolan Stucki, who is the Chairman of the Finance Department, said, “No single person can take credit for organizing and developing the successful University Credit Union.”

The mortgage company has over 16 branches in Salt Lake & Davies which include the 4 on the U of U campus. The University Federal Credit Union offers values-based, full-service financial co-operative which serves the need of over 100,000 members-owners and their communities.

UFCU Mortgage Login Benefits

There are a variety of benefits you stand to enjoy when you want to purchase your mortgage. They include the following:

• Access to get your lending and real estate contacts.  
• Borrowers can scan and upload documents to expedite their loan approval process.  
• Monitor the status of your loan using our-real-time loan tracker.  
• Make use of UFCU’s mortgage calculator to save estimated payment amounts.
• Apply conveniently from your smart phone or device.
• Make your payment conveniently.
• Refinance your loan.  
• Check the status of your loan.  
• Check your balance.  
• Speak with a loan professional.  

Types of UFCU Mortgage

There are various types of mortgages when you want to purchase your home from UFCU. They include the following:

• Conventional Loans: these loans are called “Conforming” loans are under $647,200. They have down payment as low as 5% of the purchase price.
• Jumbo Loans: These are loans amount greater than $647,200.
• Tandem Loans: These types of loans come in two forms. The first lien is for 80% of the sales price at market rate for 30 years. The second is a 15-year note for 5% or 10% at a slightly higher rate. Since the first lien is for 80% LTV, no mortgage insurance is required. However, there are credit score requirements to qualify for these loans.
• VA Loans: This is a “first time home buyer” loan based on its low-down payment (3.5%) and the ability to use gifts from family and others for that down payment. This loan does carry a high mortgage insurance premium because of the risk associated with the low-down payment.
• Fixed Rate Mortgages: These loans have an interest rate that is fixed for the term of the loan. Fixed rate mortgages are a good choice when the borrower anticipates interest rates will rise over the life of the loan or wants the certainty of knowing what their payment will be. The downside: Fixed rate loans have higher rates, and most people only stay in their homes 5-7 years.
• Adjustable-Rate Mortgages: ARMs can be conventional or jumbo loans. They have a set interest rate for the first 1, 3, 5, or 7 years. The initial rate is lower than the market rate for fixed rate mortgages. However, after the initial fixed term, these rates can adjust upward or downward depending on the mortgage market at the time. Adjustments are typically capped at a maximum of 2% per year, with a lifetime cap of 5-6%. ARM interest rate changes are tied to changes in an index rate.
• 15-year Mortgages: A 15-year fixed rate mortgage gives you the ability to own your home free and clear in 15 years. And, while the monthly payments are somewhat higher than a 30-year loan, the interest rate on the 15-year mortgage is usually lower. More importantly, you’ll pay less than half the total interest cost of the traditional 30-year mortgage.

How to Apply for UFCU Mortgage

If you want to apply for your UFCU Mortgage, kindly follow the steps below.

• Go to the UFCU Mortgage application page in the web browser of your device.
• Next, enter your email address in the specified field and click on “Continue”.
• On the next page, ethe UFCU Mortgage registration page appears, enter your information which includes your name, last name, mobile phone number, password, and then confirm password.
• Then, click on the “Register Account” button.
• On the next page, follow the instructions and your account will be reviewed by UFCU.

UFCU Mortgage Login Guide

Now that you have successfully created your UFCU Mortgage account, you can successfully login to your account by following the steps below.

• Go to the UFCU Mortgage Login page – the web browser of your device.
• Next, enter your “Username” and “password” in the specified fields.
• Click on “Log In”.

How to Access NBKC Mortgage Login Mobile App

Another way you can use to login to your account is your UFCU Mortgage mobile app. Your mobile device can also be used to access your account. All you need to do is login with your UFCU Mortgage mobile apps by downloading from either Google play store or App store and install it on your device. The next step is to enter with your login credentials. 

How to Recover your UFCU Mortgage Login Password or Username

If you forgot your password or username, do not panic. Kindly follow the instructions below to recover your password and username.

• On the UFCU Mortgage login page – click on either “Username” or “Password”.
• To retrieve your password, click on the “Forgot your password” link and it will take you to another page.
• Enter your “username” and “email address” and then click on “Next”.
• A recovery link will be sent to your email address, click on it and it will take you to an interface where you can now enter your new password, and then re-enter it to confirm.
• To retrieve your Username, click on the “Forgot your username” link and it will take you to another page.
• Enter your “first name,” “last name,” and “email address” and then click on “Submit”.
• On the next page, follow the prompts and your username will be recovered.

How to Create a UFCU Mortgage Login Account

If you want to login to your account, it is important you create your UFCU Mortgage account online and it can only be possible by following the steps below.

• Go to the UFCU Mortgage login page in the web browser of your device.
• Next, click on “Create Account.”
• On the next page, enter your information which include your first name, last name, email address, re-enter your email-address, phone number, choose a phone number, and create a username, and then generate a password and re-enter the password in the specified fields.
• Confirm you are a human by checking the “I’m not a robot” link.
• Finally, click on “Create Account.”
• On the next page, follow the prompt and your account will be created. 

How to Make UFCU Mortgage Payment

If you want to make your UFCU payment, you can either pay online by logging into your account and then navigate to your UFCU Mortgage tools on your dashboard for payment procedures. You can also call customer services using the numbers below.

UFCU Mortgage Services
(800) 476-8409
(512) 997-HOME (4663)
Fax: (512) 421-7455
Mortgage Payoff Fax: (512) 977-7886

Mortgage Midwest Loan Services
7 AM – 7 PM
(866) 610-8328
(Select 1 for Borrower or Client Partner, then select 0 for a representative.)
Spanish: (833) 635-0079

Please note: Due to high call volumes, it may take up to 48 hours to receive a call back. Thank you for your understanding.

Mailing Address:

University Federal Credit Union
PO Box 9350
Austin, TX 78766-9350

If you need a physical address to overnight payments, documents, etc., please use the following:

UFCU Plaza
8303 N MoPac Expy A105
Austin, TX 78759

How to Reach Out to UFCU Mortgage Customer Service

If you want to make payment or you are having issues regarding your mortgage, you can reach out to the UFCU Mortgage customer representatives through the following medium below.

Phone
(512) 467-8080
(800) 252-8311

Fax
General Fax: (512) 421-7450
Auto Loan Fax: (512) 421-7455

Hours
Monday – Friday: 8 AM – 5:30 PM
Saturday: 10 AM – 2 PM

Online
Account questions: Use your Online Banking eMailBox
Lobby appointments
Other questions
Feedback and suggestions