First-Time Homebuyer Loans
Our First-Time Homebuyer Loans give you the support and affordability you need to purchase your first home.
Hello, Homeowner!
KEY BENEFITS
Affordable down payments
Lower costs
Local service
Why choose an OSCU First-Time Homebuyer Loan?
Buying your first home is exciting — and a little overwhelming. We’ll make the process simple, affordable, and support you through every step.
Terms and rates you'll love
- Low fixed rates and terms mean predictable monthly payments
- Choose the term that meets your needs – 15, 20, or 30 years
- Add our rate relock feature – if market rates drop in the future, yours can too!
Affordable financing
- Finance your first home with as little as 3% down
- Save with low fees and available down payment and closing cost assistance
- Premier Members get $500 off lender fees*
- Extra support available for covering down payment or closing costs
Local service
- Our local team is passionate about helping you every step of the way
- We help empower you to make homeownership happen by sharing tips on how to get there faster
- Lifetime servicing – unlike many lenders, we’ll be at your service for the life of your mortgage, so you can count on us for the long haul
Start your journey toward home ownership
Get Pre-Approved for a MortgageResources for first time homebuyers
* The $500 reduction off lenders fees is valid for Premier Members. This offer is not valid for Home Equity Loans. See a Mortgage Loan Officer for further details and how to qualify for Premier Membership.
See this short video about three myths that may be preventing you from becoming a homeowner. Our mortgage loan officer, Daniel Echeverri, explains some of the common misconceptions in the video, “Myths about buying a home.”
Financial Education Center
LATEST UPDATES & OFFERS
More ways to finance your home goals
Already a homeowner? Explore refinancing options or learn how to put your home equity to work.
