UHFCU is committed to making the mortgage loan process as simple and affordable as possible for our members and customers. We're people who live and work in the communities we serve, dedicated professionals who focus on the financial needs of our customers. UHFCU understands the complex needs of today's borrowers and has access to the best products and pricing in the industry. We offer flexible financing options and the personalized service of our experienced origination staff. We base our approach to serving you on these Principles:

• People - Our dedicated, highly motivated people are there for you, every step of the way.
• Service - We're here to make the home buying process as positive as it can be for you-the borrower.
• Products - We believe there is a loan for every borrower.
• Pricing - We have access to some of the best products in the industry.

When you work with UHFCU, your dreams of home ownership become a reality.

A Simple Mortgage Process
Our borrowing process is fast, simple and hassle-free. We have eliminated much of the paperwork involved in applying for a mortgage loan in the traditional manner. With UHFCU, you can inquire about a loan through the Internet, over the telephone or by fax. If you have any questions, our dedicated loan officers will be happy to assist you.

Fast Credit Decisions and Closings
Our online mortgage system expedites the loan approval by accessing national underwriting guidelines and confirming the conditions required for loan approval.

Personal Service
After submitting your loan application, a mortgage consultant will personally assist you through each step of the mortgage process by helping you meet your loan approval conditions through coordinating the signing of your closing documents.