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Help & Guidance

Special US Mortgage Programs

Enhance your homebuying experience

Save even more with our special mortgage programs. We can help qualified members globally secure a US mortgage. We work with members with limited credit history in the US, G-4 visa holders, and foreign nationals.

Sustainable Impact

UNFCU members buying new energy efficient homes1 can qualify for this program. 

Qualified members can: 

  • Pay a down payment as low as 3.00%.2
  • Receive a $725 Sustainable Impact closing cost credit.

Discounts & closing cost credits

This program is for members who have not had a US mortgage in the last three years. Eligible US properties include one- and two-family houses, condos, and co-ops. 

Qualified members who choose a 6/6 adjustable rate mortgage3 can: 

  • Pay a down payment as low as 3.00%.2
  • Receive a $300 closing cost credit.

Grant programs

Members who have not had a US mortgage in the last three years can apply for grant assistance to make homeownership more accessible and affordable. Unlock up to $20,0004 in grant assistance for a down payment, closing costs, and required homebuyer counseling services. Eligible properties include one- and two-family houses, condos, and co-ops in New York, New Jersey, Puerto Rico or The US Virgin Islands. 

Fannie Mae HomeReady®

This program is for US citizens who have good credit, but who may not have the typical income needed to buy a home. They may qualify for a fixed mortgage with Fannie Mae's HomeReady® Program. 

We offer the HomeReady® Program for the purchase or refinancing of a single-family home or condominium in the US. Qualified members will need to receive home ownership education and housing counseling. 

Qualified members can: 

  • Pay a down payment as low as 3.00%.2
  • Receive a $300 closing cost credit.

Doctors

UNFCU members who are Medical Doctors and Doctors of Dental Medicine5 can qualify for this program. Using an adjustable rate mortgage (ARM), they can finance a home purchase or refinance an existing US mortgage. 

Qualified members can: 

  • Receive up to 90% financing for a single-family home and condominium.
  • Receive up to 80% financing for a co‑operative.
  • Bypass the need to purchase mortgage insurance.  

Your personalized approach to a US mortgage

Connect with our experts to begin the journey toward your new home and partner with the same mortgage representative from start to finish.

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Disclosures

  1. To qualify, a member must purchase a new home in the US built within 12 months of the closing date. The home must be owner-occupied or the member’s primary residence. It must be first time ownership and not a resale from a previous owner. It must be energy efficient with ENERGY STAR® Certification or LEED® Certification. Home equity lines of credit and home equity loans are excluded. 
  2. For down payments of less than 20%, private mortgage insurance (PMI) is required. Please view our FAQs to learn more. 
  3. With an adjustable rate mortgage (ARM), the interest you pay will be subject to change after your initial fixed period. Please contact us to learn about 6/6 adjustable rate mortgage loan limits and income qualification requirements.
  4. Grant availability is limited and subject to change. UNFCU determines the grant amount available to applicants. Other program parameters are set by Federal Home Loan Bank New York and may change without notice. UNFCU members must meet all program and underwriting criteria, as well as adhere to retention rules and homebuying counseling requirements. This program is only available for those buying homes located in New York, New Jersey, Puerto Rico, and The US Virgin Islands.
  5. The UNFCU Doctor program is designed for the financing needs of the following professionals who want to purchase a primary residence: licensed Medical Doctors (MD), including psychiatrists; and Doctors of Dental Medicine—Dental Surgeons, Orthodontists, and General Dentist (DMD, DDS). Qualified members must produce a degree in one of these fields as well as a license to practice. Other restrictions may apply. 

Eligibility for specific loan program options is dependent on several factors, including credit profile and down payment amount. Speak with a mortgage representative to learn more. 

Disclaimer: Housing counseling agencies approved by the US Department of Housing and Urban Development (HUD) can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost. If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit the Consumer Financial Protection Bureau’s (CFPB) website and enter your zip code. You can also access HUD’s housing counseling agency website. For additional assistance with locating a housing counseling agency, call the CFPB at 1-855-411-CFPB (2372).

HomeReady® is a registered trademark of Fannie Mae. 

ENERGY STAR is a registered trademark of the US Environmental Protection Agency. 

LEED is a registered trademark of the US Green Building Council.