First Time Home Buyers

Purchasing your first home is a huge milestone. Our mortgage experts can guide you through the process at no cost or obligation.

  • Loans available at up to 95% of the purchase price.
  • We only require 5% down which gives you room in your budget to make home improvements, buy furniture, or to otherwise invest your money.
  • No PMI (private mortgage insurance). PMI is an insurance product that is paid by the member/borrower that protects the lender/credit union in case there is a default on the loan. There is NO benefit to the member/borrower for this expense. By waiving this requirement it allows for a lower monthly payment.
  • Pre-approval within 48 hours of submission of a completed online application. The pre-approval will aid you in your negotiations of your purchase by showing the seller you have funds secured to support your offer.

We’re here to help. Our goal is to provide the highest level of service at competitive rates. Contact a Loan Officer at 205-226-6800.