First-Time Home Buyers Program

If you're looking to buy a home for the very first time, our First Time Home Buyer Program may be the perfect fit for your mortgage needs! Our goal is to guide you through the home buying process and help you explore your options to ensure that you end up with the best mortgage. Our Mortgage Specialists are friendly, knowledgeable, and committed to helping you choose the best mortgage for your situation, as well as additional services to help you save money.

Program Benefits:

• Save Up to $1,500 of CLOSING COSTS* 
• Receive a 0.25% discount off your rate when completing the home buyer educational course online
• Choose from a variety of mortgage loan options to fit your needs
• Convenient 24/7 online application process to keep track of your loan status
• Competitive rates, low fees, and a No-point program available
• Get pre-approved quick and easy with local underwriting
• Private Mortgage Insurance (PMI) available
• Personalized service from a Mortgage Specialist to guide you

 Apply Now! Rates

For your convenience, our first mortgage application services are available 24/7. To apply, please call us at 408-524-4500 or 1-855-500-7128 and press Option #4.

Home Buying Resources

What you should know before purchasing your first home.  Are you ready to purchase? How much can you afford? What to look for when purchasing a home.

• Down payment assistance program: Empower Homebuyers SCC, up to 30% of the purchase price, minimum $68,000, up to maximum $250,000. Click here to learn more. 
• Types of mortgages and home loans
• Home Buying Resources
• Home Buying Book
• Financial Calculators

Learn More

* To be eligible for the 0.25% First Time Home Buying Program rate discount and $1,500 off their closing costs, applicants must meet the definition of a First Time Home buyer, as defined by the credit union, and successfully complete the Framework home buyer educational online course, a $75 value. A Certificate of Completion is required before close of escrow. A First Time Home Buyer is an individual that hasn’t owned a home in the past three years. Financing available up to 97% for borrowers who qualify for Private Mortgage Insurance (PMI). Some restrictions may apply. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. All loans are subject to credit approval. Must be a member of the credit union to fund a loan. For more information, call 408.524.4500.