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Find sunshine on a cloudy day with a First Credit Union savings account. With so many different choices from money markets to retirement savings, you're sure to find Financial Sunshine® here :)  

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  • Home
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  • >Home Loans

First-Time Home Buyers

Dreaming of a owning a home? You can do it! As you take the big step towards becoming a homeowner, remember we're here to help you make your dream a reality. 

Apply Now

You're ready to take the big step. Let us help you.

Buying a home is a big deal. It's likely one of the largest purchases you'll ever make. Don't do it alone. Let one of our home loan specialists help you navigate your first home purchase. With different terms and rates available, it's good to have a professional help demystify the buying process. We're here to help:)

  • Affordable rates and fees
  • 15 and 30 year terms
  • Pre-qualification and credit report analysis

Additional Videos

  • Partner with a Professional
  • The Home Loan Process
  • Anatomy of a Mortgage Payment
  • How Much Home Can You Afford?
  • Information on LTV and DTI Ratios
  • Making an Offer on a New Home
  • What is a Credit Score and How Do I Find Mine?
  • How Does My Score Impact My Loan?
  • How Can I Improve My Score?
  • Post-Close Tips

How to get started?

Give us a call at (480)756.4690 to begin the process :)

Additional Resources

  • Buying a Home course
  • Partner with a Professional
  • What is Refinancing and When Should I Consider It?
  • What are the Fees Involved in Refinancing My Home?
  • Information on LTV and DTI Ratios
  • What is a Credit Score and How Do I Find Mine?
  • How Does My Score Impact My Loan?
  • How Can I Improve My Score?

Secure and Fair Enforcement for Mortgage Lending Act of 2008 or the "SAFE Act"

APR is Annual Percentage Rate (APR). Quoted rates reflect the lowest rate available. Best Rate may vary based on personal credit history, value of collateral, loan to value (LTV), terms, and other factors. First Credit Union provides details upon completion of a loan application. Rates are subject to change without notice. Must be primary residence. Property insurance required. Payments do not include applicable taxes and insurance. First Credit Union membership is required. Closing costs – Closing costs include property evaluation, flood certification, property ownership and encumbrances search, and recording costs. First Credit Union will pay closing costs associated with a home equity loan. Member is responsible to reimburse closing costs associated with their loan if it is closed within the first 36 months.

NMLS# 790286 | On July 28, 2010 the National Credit Union Association (NCUA) and other Federal Agencies published a final rule to implement the federal registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). The registration requirements apply to all employees acting in the capacity of a Mortgage Loan Originator (MLO). The S.A.F.E. Act requires all MLO's to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Once registered, each MLO is provided a Unique Identifier from the NMLS. An MLO must provide this Unique Identifier to each mortgage loan applicant upon request and prior to the employee acting as an MLO.

For more information about the registry, please visit the NMLS.

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THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION.
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