University Federal Credit Union

Loan Officers

Pedro Torres (NMLS #1203683)
EMAIL:  ptorres[email protected]
PHONE:  512-954-3891 Cell or 512-997-4668 Office


0% down up to $850K, 5% down for $850K to $1.5M. Lower rates available with 10% down. 15, 20, and 30 year fixed rate, 5yr ARMs. 2 units eligible

Primary residences only, No PMI. No Prepayment Penalty. Eligible borrowers include US Citizens, Permanent Resident Aliens, and Non-Permanent Resident Aliens


MD, DO, DDS, DMD, Resident, Fellows, PA, DVM, CRNA, Pharmacist, Clinical Nurse Specialists


Low, fixed rates. Can close 90 days before start date. 30 day to close guarantee due to all in-house processing. In-house loan exception committee for out of the box scenarios.

Personalized, down-to-earth credit union way of doing business with benefits of a capable, well-established, full service mortgage services company. Number one lender in Austin for the last 5 years.