A Mortgage That Comes With Confidence Built In
You don’t have to time the market perfectly to move forward.
With 1st University Credit Union’s Mortgage Confidence Advantage, you can buy now — knowing you have options later.
If rates change or your plans evolve over the next few years, you can refinance and we’ll contribute $1,500 toward your refinance closing costs.
That’s not a teaser. That’s a plan.
Why This Matters
Buying a home is a big decision. And for many people, the hardest part isn’t the payment. It’s the timing.
Should you wait?
Should you move now?
What if rates drop later?
With the Mortgage Confidence Advantage, you don’t have to second-guess the timing. You can move forward when the moment is right for your life — not just the market.
How the Mortgage Confidence Advantage Works
1. Start with your mortgage - Begin your homebuying journey with 1st University Credit Union.
2. Move forward with confidence - You don’t have to wait for the “perfect” rate. You can buy when the timing is right for you.
3. Refinance if it makes sense - If rates change or your goals shift, you have the flexibility to refinance with us.
4. We help cover the cost - When you refinance within three years of your original closing, we’ll apply a $1,500 lender credit toward your refinance closing costs.
Same lender. Same team. One less expense to worry about.
What the $1,500 Credit Covers
The $1,500 is applied as a lender credit at closing and can be used toward general refinance closing costs.
No reimbursement.
No extra paperwork.
It’s built right into the process.
Who This Is Designed For
This is a great fit if you:
Want to move forward without second-guessing the market
Value flexibility if rates change
Prefer working with a local team you already know and trust
If refinancing doesn’t make sense later, that’s okay too. This benefit is there if you need it — within your three-year window.
Ready to Get Started?
Choose the option that fits where you are right now.
Just exploring or planning to buy soon? 👉 Get pre-qualified
Have questions or want to talk it through? 👉 Contact our mortgage team
Already have an eligible¹ 1st UCU mortgage? 👉 Start your refinance application
Frequently Asked Questions
Do I have to refinance within exactly three years?
Yes. The refinance must be completed within three years of the original mortgage closing date for mortgages that originated on or after January 1, 2025.
Can I use this benefit more than once?
No. This is a one-time refinance benefit per original mortgage.
Does this apply to all mortgage types?
Yes. The refinance benefit applies to all mortgage loan types, as long as the original loan originated with 1st University Credit Union on or after January 1, 2025 and the refinance is completed with us.
Is refinancing guaranteed?
No. All loans are subject to approval. Refinancing depends on credit qualifications, property value, and other underwriting factors.
Important Details
1: Eligible mortgages are those originated with 1st University Credit Union on or after January 1, 2025. Refinance within three years of original closing to receive the $1,500 lender credit, applied toward eligible closing costs. Loan remains with 1st UCU or servicing partner. Subject to approval and program guidelines.
This program is subject to change or termination at any time, at the discretion of 1st University Credit Union, without notice.
Texas Mortgage Complaint Notice
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.