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Make the Move Into Your First Home

We know that buying a home for the first time is a daunting process. How do you find a home that’s right for you? How do you know how much you can spend? What is a mortgage, anyway? You don’t know what you don’t know!

This is why NWCU has created a special First-Time Homebuyer Program to help you through the process of buying your first home. This special program allows you to get a leg up on many of the things that first-time homebuyers struggle with, like down payments and fees.

What This First-Time Homebuyer Program Can Offer You

Our program offers several benefits:

  • 100% financing
  • No down payment needed
  • No private mortgage insurance. Yes, really!
  • Reduced loan origination fees
  • Local lending

Plus, a few extra perks:

  • Our first-time homebuyer program allows you to get 100% financing for a single-family home or up to 90% financing for an owner occupied 2-unit home (like a duplex), with only 10% down payment required.
  • We allow an unlimited seller credit.

Apply for a Mortgage Now

How to Take Advantage of NWCU's First-Time Homebuyer Program

You're eligible for our first-time homebuyer program if you:

  • Have not owned a home in the past 3 years
  • Have a minimum FICO score of 680
  • Are looking for a loan amount up to $548,250

If you fit the bill, you can apply online:

Apply Now for a First-Time Homebuyer Mortgage