First Time Home Buyer | Together Credit Union
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FIRST TIME HOME BUYER MORTGAGE

As a first time homebuyer, you deserve the local support and service to help you achieve the dream of homeownership. 
Apply Today!

Flexible, Affordable Home Financing with Local Support

Up to 100% Financing

Up to 100% Financing

No private mortgage insurance (PMI)<sup>*</sup>

No private mortgage insurance (PMI)*

No Origination Fees or Lender Closing Costs

No Origination Fees or Lender Closing Costs

Local support and servicing

Local support and servicing

Guiding First-Time Homebuyers with Confidence and Care

You've got plans for your future. We have the tools to get you there. If they involve buying a home for the very first time, trust us to make the experience to be a good one.

Buying a home can be an overwhelming process– especially for first-time buyers. Our dedicated Mortgage Team is here to guide you every step of the way. With affordable financing and an easy online application, our first time homebuyer program4 is designed to offer you the local support and service that you need to find your first dream home.

Our Current Rates

Savings

As high as

APY*

Auto Loans

As low as

5.49% APR*

Mortgage Loan Rates

As low as

6.125%

Credit Cards

As low as

11.15% APR*
Three woman at a meeting in an office setting.

Thinking about buying your first home and not sure where to start?

Connect with our Mortgage Team today to discuss the right path for your dream of homeownership.

Apply Today!

What Our Members Are Saying

I wanted to say thank you for helping us through this process. I have never had such as smooth buying experience and you've made it seem very painless and we appreciate that greatly.

Lanecia

Financial Wellness Resources

Stress and First Time Home Buying

Buying a home is one of the biggest steps you'll take in life. The stress is real.

How Much Home Can You Afford?

Here are some tips to getting started on your journey to homeownership.

5 Questions to Ask Before Buying a Home

Is now really the right time to buy a home? Ask yourself these five questions to find out!
Learn More
Disclosure

1- 100% financing means that the Credit Union will provide you up to 100% of the loan you are applying for OR essentially putting ZERO down payment towards the home.

2- Private Mortgage Insurance, or PMI, is a monthly fee to homeowners who do not possess at least 20% equity in their home (you have paid in at least 20% of the house value). However, we waive this fee entirely, saving years of monthly payments and thousands of dollars. Valid only on single family, 1-4 story condo and townhome unit owner-occupied properties. Maximum 97% LTV for condo as well; all loans require escrow for property taxes, homeowners insurance, and flood insurance, if applicable.

3- Lender fees (a fee to complete your loan transaction) and the appraisal fee (The process of valuing the home as a result of evaluating the neighborhood and its amenities by an authorized person: the appraiser).

4- First-time Homebuyer Home Loan program available to members with no homeownership within past three years. Valid only on single family, 1-4 story condo and townhome unit owner-occupied properties. Maximum 97% LTV for condo; all loans require escrow for property taxes, homeowners insurance, PMI, and flood insurance, if applicable. No lender closing costs; member is responsible for all title/recording fees, escrow reserve, and initial interest. All loans subject to approval. Membership eligibility required. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.