Quick Quote

Quick Quote

Today's Rates

Personalized Quote

Shelley K. Duckart

Sr. Mortgage Specialist

NMLS # 604803
Office: 530.757.9473
Fax: 888.788.1496
Mobile: 530.681.3126
200 B Street
Davis, CA 95616

Whether you’re a first-time home buyer, refinancing or adding another investment to your real estate portfolio, open the door to new possibilities with USE Credit Union’s competitive home loans. With us, you’ll get everything you want in a mortgage, from the Credit Union that’s helped transform the lives of our members for more than 83 years.

Our commitment to making your dreams happen is more than just a promise. You can count on us to meet your lending needs and we guarantee it! 

Hassle-Free Home Equity Lines of Credit & Home Equity Loans
Let us turn the equity you earned into cash with a USE Credit Union HELOC or equity loan. 
We also offer attractive second mortgage products and the option of interest-only payments, no points, fees or up-front costs—plus no annual fee and potentially tax deductible interest.(3)  Click here to apply for a second mortgage.

Fast and Flexible Real Estate Experts You Can Trust!
As a not-for-profit credit union, USE Credit Union is renowned for providing quality products and services as well as personalized, caring experiences for our members. Our success is a testament to our fiercely loyal members and our dedicated team of dream makers that serve in the best interest of our community.


Apply today and get pre-approved!

All loans subject to credit approval. Rates, terms and conditions subject to change.