First-time home buyer
Helping you take the first step towards homeownership
As a first-time homebuyer, what’s the right mortgage for me?
Community Financial Credit Union’s team of local, experienced mortgage experts can walk with you and make the mortgage process easier. We’ll answer all of your questions on the purchase process and help find the right mortgage option for you.
Mortgage Specialists
Here to walk with you
Our mortgage specialists are here to guide you at every stage. Whether it's understanding your options or securing your loan, we make the journey simple and clear.
First-Time Homebuyer Promos
Current promotions
Shopping for a house? We just so happen to be running some promotions to help get you into the home of your dreams!
Affordable Housing
Affordable Housing
Specialty Mortgage Programs
Specialty programs
Explore unique financing options tailored to meet a variety of homebuying needs. From zero down payment programs and bridge loans to vacant land financing, these specialty mortgage solutions are designed to help you move forward—no matter where you are in your journey.
- Submit an offer without a contingency to close on your existing home first.
- Pairs well with a Bridge Loan to use the equity in your existing home as a down payment.
- Must have good credit and a minimum of 20% equity in the existing home.
- Available on the financing of primary residences only.
- Submit an offer without a contingency to close on your existing home first.
- Pairs well with a Bridge Loan to use the equity in your existing home as a down payment.
- Must have good credit and a minimum of 20% equity in the existing home.
- Available on the financing of primary residences only.
Mortgage Tools
Tools & checklists
Our Mortage Team
Our Mortage Team
Walk with us
Buying a home is a big deal—and our local Michigan mortgage team is here to make it feel a lot less overwhelming. With expert guidance, competitive rates, and support from start to finish, we’ll help you find the right loan and make the process smooth, friendly, and stress-free. Whether it’s your first home or your next move, we’ve got your back.
Frequently Asked Questions
First-Time Homebuyer FAQ
To help you navigate the process with confidence, we've answered some of the most common questions from first-time homebuyers.
Home is where the Belonging is
News
Additional $220k secured for affordable housing in Michigan
In 2024, the Relentless Care Foundation committed $60,000 to purchase over 20 acres of land destined for affordable housing in northeastern Michigan. Thanks to their relentless pursuit of doing the right thing, it was only the beginning…
News
Expanding and Preserving Homeownership in Otsego-Antrim Habitat for Humanity
Home repair is a critical part of ensuring safe and stable housing for individuals and their families. The Relentless Care Foundation is honored to support Otsego-Antrim Habitat for Humanity with a $10,000 grant to further their critical home repair program.
News
Expanding Access to Affordable Housing in Michigan
CFCU and the Relentless Care Foundation partnered with Samaritas to expand access to affordable housing across Michigan.
Apply Today
We’ll answer all of your questions on the purchase process, and help find the right mortgage option for you.
Other Tools
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What We Do
Making Impossible Dreams come true on the daily.
Wherever you are on your financial journey, you Belong here.
*Subject to credit, income, and asset qualifications. Not all applicants will qualify for pre-approval.