Mortgage Origination Program (MOP)

The UC Office of Loan Programs in the Office of the President manages the Mortgage Origination Program. MOP provides first deed of trust loans with a one-year adjustable rate based upon an internal University index.

Nomination to participate in MOP is stated in your final and approved appointment letter at the time of recruitment.

  • Faculty who are nominated to use MOP must hold a 100% Academic Senate Ladder Rank Faculty appointment.
    • Teaching Professors (LPSOE, LSOE and SrLSOE) participation is by exception.
  • MOP is available One Time for the purchase of your First Home in San Diego County.
  • The MOP property must be the principal place of residence for the primary participant for the term of the loan.
  • All borrowers must have a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number.
  • All borrowers must meet UC Home Loan Program U.S. Residency Requirements.
    • Visa Holders
      • Eligibility to participate in MOP on certain visa statuses may be delayed. 
      • Please consult with the campus Home Loan Coordinator for further information.

Academic Affairs and General Campus Academic Senate Faculty - please contact Marie Sidney

Health Sciences Academic Senate Faculty - please contact Ruth Sinclair for questions about eligibility.

How to Get Started

  • Faculty must be nominated to use MOP, and this will be stated in your final and approved campus appointment letter.
  • MEET with the campus MOP Home Loan Coordinator (by telephone or in-person)
    • Email Marie Sidney or call 858-534-0097 to make an appointment.
    • Discuss the UC MOP Program Criteria and MOP Criteria for UC San Diego.
    • Discuss the MOP Calculator to determine minimum requirements for a loan scenario.
    • The campus Home Loan Coordinator will transmit eligibility to the UC Office of Loan Program.
  • APPLY for a MOP Loan Pre-Approval. The UC Office of Loan Programs (OLP) will send you an email to start an application. 
    • Loan Pre-Approval takes approximately 5 Business Days after a complete application is submitted to the OLP.

UC Mortgage Origination Program (MOP) Overview and Brochure

Specific MOP Criteria will be provided by the Home Loan Coordinator

  • Email Marie Sidney or call 858-534-0097 to make an appointment.

UC Office of Loan Program Resources and Weblinks

The MOP Program is dependent upon the availability of funds and that borrowers meet all program criteria. Program and eligibility requirements are subject to change without notice at the University's sole discretion.