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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.

Contact a loan officer

Reach out to our team for expert mortgage advice and start the refinancing process today.

Call us

Call us now to find out more about your refinancing options.

Email us

Prefer to email? Our team is ready to help you explore refinancing options and get you the best deal.

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!

Apply Today

First timer? Start here

Affordable Housing

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h-Ope! will guide you home

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.

Mortgage Tools

Tools & checklists

Home Buying Budget

Use this printable worksheet to estimate your home price range, monthly payments, and upfront costs. A helpful guide for planning confidently.

Homebuyer’s Checklist

Stay organized through every step—from pre-approval to closing day—with this easy-to-follow checklist.

Credit Score

Understand how your credit score impacts your mortgage options and learn tips to improve it before you apply.

Loan Closing

Make sure you're prepared for the final step of the mortgage process with this list of required documents and final steps.

Our Mortage Team

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Walk with us

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.

Apply Today

Other Tools

Not what you’re looking for?

Discover loans designed to fit your life—from home equity to personal loans with competitive rates!

Home Equity

Unlock the value in your home with a Home Equity Loan. Use the funds for home improvements, debt consolidation, or other financial needs.

Personal Loans

If you’re looking to simplify your finances, consider a Personal Loan for debt consolidation, big purchases, or unexpected expenses.

HELOC

Access your home’s equity with a flexible line of credit. Use it for home projects, emergencies, or large expenses.

Rates

Explore our competitive rates for mortgage products, home equity loans, and personal loans. Get started today and secure a great rate for your next step.

You are Enuff™

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.