Your life changes. Your needs change. So can your mortgage.


Life happens, but your home is a constant. By refinancing your mortgage with us, we can help you save on monthly payments, get cash out or adjust the length of your loan.


Save up to 2% or $5,000* in closing costs on:

  • Conventional 1st mortgage loans
  • Loan-to-value not to exceed 90%
  • 3/1, 5/1, 7/1, 10/1 ARMs, or 10-year-fixed
  • Primary residences, second homes, single family, PUD, condo, townhouse (1-4 Units) and investment homes


Let's talk options.

  • Lock in a rate that fits your current needs
  • A great option to access cash for financial flexibility
  • Change the term of your loan based on your current situation

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS).

Each employee of a credit union who acts as a mortgage loan originator must register with the Registry, obtain a unique identifier, and maintain this registration in accordance with the requirements of the S.A.F.E. Act.

Below are the registered mortgage loan originators of University Credit Union, NMLS #409731.

  • Michelle Pacheco – NMLS ID #662822
  • Johanes Angkadjaja – NMLS ID #1411033
  • Julio Macias – NMLS ID #1519824
  • Estela Nagahashi – NMLS ID #1699957
  • Franklin Young - NMLS ID #424413

One of the objectives of the SAFE Act is to provide consumers with easily accessible information at no charge regarding mortgage loan originators. You may access information at

Request for information related to an existing mortgage loan, or request for resolution of an error or errors in connection with an existing mortgage loan must be made in writing and forwarded via the U.S. mail to the following address:

University Credit Union
Attn: Real Estate Department
1500 S. Sepulveda Blvd.
Los Angeles, CA 90025

Apply now and come home to a better mortgage.

Member Testimonial

"UCU has helped me finance all the cars I have owned throughout my life. They treat me like family."

- Glenn A.