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Buy Your First Home
and Save on Mortgage Insurance

Apply Online Rent vs Buy Calculator
Home Purchase
  • A low interest rate and affordable payments, saving you money every month.
  • Only 5% down, which can be verifiable gifted funds.
  • No Mortgage Insurance requirement. You could save as much as 1% of the loan amount each year by avoiding mortgage insurance, which only protects the lender.
  • Get preapproved today - it's FREE, and lets you and your Realtor know how much you can spend when looking for your first home.
  • Save even more at tax time versus renting - home loan interest and real estate property taxes are usually tax deductible.
  • No prepayment penalties can help you take advantage of refinancing options when it's right for you.

Talk with one of our Real Estate professionals today at (800) 556-6768 to discuss your options.

We can explain additional benefits of our First Time Home Buyer loan, help you estimate payments to see how much you might save versus renting, and work with you through the entire process. And because we're your trusted credit union, you know that we'll help you decide if buying your first home is the right choice for you - no pressure, no sales pitch. Just sound advice from the lender you trust.

APRs, rates, terms and offers accurate as of 6/29/2017 and subject to change without notice. Owner-occupied, California properties only. Subject to availability. Certain restrictions apply. 80% LTV first mortgage: 30-year fixed rate. $775 processing fee. Payment example: 360 payments of $5 for each $1,000 borrowed. 15% LTV second mortgage: Rate is fixed for 7 yrs, then adjusts annually based on the weekly average 1-Year Constant Maturity Treasury plus 3%. $499 processing fee. Maximum lifetime adjustment 10%. Payment example: 84 payments of approximately $7 for each $1,000 borrowed then 276 payments of up to approximately $12 per $1,000 borrowed.

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