Buying your first home is a life-changing move. We want you to experience it sooner.

You could spend years of saving just to cover the upfront costs. We've come up with a way to help get your foot in the door.

Reduced down payment

3% down is a lot less money than what's required for traditional mortgages.

No origination fee

That's another $850 you don't have to fork over.

Friendly, local assistance

It's your first home, but relax — we're great at guiding borrowers through the process.

You have a good job and a steady income. What's holding you back is the big chunk of cash needed for down payments, closing costs, and other fees. We might have the answer to all that, with a loan program that offers financial breaks to first-time homebuyers.

  • Fixed-rate loans
  • Reduced down payment requirements as low as 3%
  • Origination fee waived ($850 savings)
  • May qualify for down payment assistance grant of up to $5,000 
  • Qualified borrowers can use gifted funds toward their down payment
  • Discount on private mortgage insurance (PMI)

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Get prequalified and enjoy our simple and smooth loan process from application all the way to closing. 

You’re considered a first-time homebuyer if you haven’t owned a home in the last three years. 
Subject to membership requirements. APR = Annual Percentage Rate. The rate examples are current as of 10/04/2022 and are Everwise’s best rate. Rates and terms vary depending on loan to value ratio, credit evaluation and underwriting requirements. PMI=Private Mortgage Insurance, flood and/or property hazard insurance may be required. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Payment examples do not include taxes or insurance premiums. The actual payments will be higher; and rates provided are based on current market rates and are informational only. Payment example: Based on a $150,000 home purchase with $145,500 finance after $4,500 (3%) down payment. Assumes a 30-year conventional 6.875% rate (7.522% APR) fixed-rate mortgage, with monthly payments of $955.83. 

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Routing Number | 271291826