First Time Home Buyers

First-Time Homebuyer Loans With Lower Rates & Fast Approvals

From pre-approval to closing day, we’re here to guide your first home journey.
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We Make Buying Your First Home Feel Right

At Service Credit Union, we know buying your first home is a milestone.

A front door to new memories. A backyard for first barbecues. A bedroom wall ready for crayon art.

When you're ready to take that big step, we're ready to walk beside you with expert guidance, competitive rates, and a hassle-free mortgage process.

Low Down Payment Options

Low Down Payment Options

Flexible solutions for first-time buyers, including access to down payment assistance programs tailored to all budgets.
Fast Approvals

Fast Approvals

Close in as little as 30 days.
Competitive Rates

Competitive Rates

Affordable financing options tailored for first-time buyers.*
Expert Guidance

Expert Guidance

Our mortgage specialists simplify the process.
Trusted Support

Trusted Support

Real people, real answers, real dedication.
Appraisal Rebate

Appraisal Rebate

Up to $695 on purchase loans

Kevin

I’m extremely impressed with how fast and smooth this home-buying process was with all parties involved. Thank you!
I’m extremely impressed with how fast and smooth this home-buying process was with all parties involved. Thank you!

Kevin

Lawrence and Janet

From start to finish, our refinancing mortgage was handled with courtesy and in a timely manner that was extended to us.
From start to finish, our refinancing mortgage was handled with courtesy and in a timely manner that was extended to us.

Lawrence and Janet

Your Mortgage Questions, Answered

Are there loans available in my state?
Our mortgages are available in all U.S. states except Alaska and Hawaii.
What if I don’t have a large down payment?
We offer low down payment options to help make homeownership accessible.
How long does the mortgage approval process take?
Most applications are processed and closed within 30 days, depending on how quickly you provide documentation.
Do I need a perfect credit score to qualify?
Most loans require a minimum score of 620, and VA programs may allow lower scores.
*The displayed rates for conventional loans assume a loan amount of $500,000 for a single-family, owner-occupied purchase transaction with a down payment of 40% and a credit score of 740 or higher. VA rates assume a loan amount of $500,000 and no down payment. Conventional jumbo loans assume a loan amount of $832,751 and a 40% down payment. VA jumbo assumes a loan amount of $832,751 with no down payment. Payment examples can be obtained by clicking the calculate payments button above and do not include taxes or insurance premiums. Payment obligation will be higher.