USA One Credit Union wants to assist in making Homeownership a reality for all members who choose to make that commitment. Our mortgage programs are designed to offer a wide range of options and features and accommodate most credit histories.

Loan amounts up to $825,000.

• 0% down payment financing available
• Up to 90% financing
• Bridge Loan financing available

Repayment Programs include:

• Fixed Rates
• Adjustable Rate
• Balloon Programs
• Interest only programs
• Bi-weekly payment and payroll deduction available with direct deposit

Terms from 5 years to 30 available
USA One will also do non-standard repayment plans such as 8yrs, 13yrs, etc.

Relaxed Credit Criteria programs available

Debt ratios to 45%
Discharged Bankruptcy with reestablished credit acceptable

Eligible Properties:

• Single-family dwellings
• 2- 4 unit apartment buildings
• Condos and Town homes
• Vacation Properties
• Investment properties

To allow our members the widest possible options, not all mortgages are serviced by USA One Credit Union. Not all states are serviced by USA One Credit Union. For complete details of program availability and credit requirements call our mortgage department (708) 679-9500.