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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

Home Loans

You’re ready to buy the house of your dreams. We have the mortgage options to fit your needs and get you all moved in.

 

Apply Today

Home loan specialists here:)

You’ve found the right home. We’ve got the right loan. With local loan decisions, choice of terms, competitive rates, and all the help you need, we’d like to be the ones to get you there.

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

Our team of home loan specialists will work hard to ensure you have a great home buying experience. Whether you’re buying your first home or have purchased a home before, turn to us for your next home loan.

How to get started

Give us a call, stop by any First Credit Union branch or begin the process with an online loan application.

Additional Videos

  • Partner with a Professional
  • The Home Loan Process
  • Are You Ready to Move?
  • Prepare Your Home to Sell
  • 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?
  • Anatomy of a Mortgage Payment
  • Post-Close Tips

Additional Resources

  • Helpful Home Buying Resources
  • Current home loan rates
  • Mortgage calculators
  • Request a free consultation
  • Glossary of Terminology
  • Home-buying 101 Playlist
  • Demystifying Mortgages video
  • Mortgages learning module
  • Considering Home Ownership learning module

Checklists and Guides

  • Shopping for your home loan
  • Financial Records checklist
  • Home Priorities checklist
  • House Evaluation checklist

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

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.

Click here for a list of MLO employed by First Credit Union. For more information about the registry, please visit the NMLS.

Allowed domains:

https://firstcu.percussion.marketing,https://www.firstcu.coop,http://www.firstcu.coop,https://www.firstcu.net,http://www.firstcu.net,https://firstcu.coop,http://firstcu.coop,https://firstcu.net,http://firstcu.net,https://cm.netteller.com,https://cm.netteller.com/login2008/Authentication/Views/Login.aspx?fi=secure-FirstCU-online&bn=96c99b975cab8cf8&burlid=5a620019d4a91791,https://internetloanapplication.cudl.com/firstcu/live/,https://firstcucoop.cudlautosmart.com/,http://firstcucoop.cudlautosmart.com/,https://campaign.documatix.com/DM/DPS/WebForms/Webform/5F8163941CF948C0,http://campaign.documatix.com/DM/DPS/WebForms/Webform/5F8163941CF948C0,https://sales.liveperson.net,http://sales.liveperson.net,https://firstcu-percussion.com,http://firstcu-percussion.com,https://www.firstcu-percussion.com,http://www.firstcu-percussion.com,https://www.google.com/url?q=https://www.firstcu.net,https://www.google.com/url?q=https://firstcu.net,https://www.NetTeller.com/secure-firstcu-online,https://campaign.documatix.com/DM/DPS/WebForms/WebForm/4C76AE84986AC0B6

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

Routing Number: 322172742
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