Your journey to home sweet home begins here
From preapproval to closing day, we’ll help with every step of your first home purchase.
Tell us where you are in your home buying journey.
Ready to apply?
Once you have the necessary documents ready, apply online here or in person at your local branch.
Learn More
Take the first steps to home ownership by learning what to expect throughout the process.
The Power of Getting Preapproved
Learn the benefits of getting preapproved to show the seller you're serious and get more negotiating power.
Learn More
The Home Buying Process in 7 Steps
Learn what to expect in the home buying process with this simple 7-step summary.
Read More
Home Buying Guide
Get more comprehensive information about the home buying process in this easy-to-understand resource designed specifically for first time buyers.
Explore the E-Book
Mortgage Learning Center
Empower yourself with knowledge by looking through our specially curated collection of helpful resources.
Get StartedPrepare for a Purchase
Set yourself up for success by getting everything in order before you apply.
Application Checklist
Make sure you have all the right documents and information prepared before you begin the application process.
Get Checklists
HomeAdvantage®
Connect with experienced, trustworthy agents – and earn cash rewards at closing.
Get ConnectedNo-Closing-Cost Option
Designed with you in mind, our no-closing-cost option can help make the initial cost of a home more affordable. Plus, our competitive rates will allow for more cash flow in the initial years of your loan.
See More First-Time Home Buyer Loans & Rates
Take advantage of our programs created with first-time buyers in mind. And if you need help choosing, we’re here to help.
Fixed-Rate Mortgages
Lock in a low rate and keep it for the life of your loan. Ideal for those who enjoy consistent monthly payments.
HomeReady®
Make your purchase with confidence. For those buying for the first time, this home loan offers added convenience and flexibility.
Mortgage Calculator
Estimate costs and determine how much you can afford.
Homeowners Insurance: 100
Mortgage Insurance: 167
More Calculators
Explore these calculators to evaluate your purchase and refinancing options.
Get Ready to Apply
Ready to make that home your own? Complete our simple online application.
Preapproval
Gain more buying power by filling out our online application before you begin house hunting.
Application
Complete our online application in as little as 15 minutes. And if you need more time, you can save your progress and return later.
Have a question?
If you have questions about any part of the home buying process, our mortgage experts are here to help. Schedule an appointment or give us a call at 1 (800) 609-9009.
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RCU mortgages are available on CA properties only.
Advanced Options
Property Tax Rate
The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.
Homeowners Insurance (Monthly)
The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.
HOA Fees (Monthly)
These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.
Private Mortgage Insurance Rate
The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.
Disclosure
This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.
Contact Us
Schedule an appointment
Meet with a mortgage specialist to choose what’s right for your needs.
HomeReady®
HomeReady®
Apply NowInterest Rate
as low as %APR
as low as %Term
up to 30 yearsDisclosures
Certain restrictions may apply. Maximum Combined Loan to Value (CLTV) for rates listed above is 95%. Maximum CLTV for investment (non-owner occupied) is 80%. Rates and max CLTV assumes property is a single unit, primary residence, non-manufactured home.
No-Closing-Cost Option
No-Closing-Cost Option
Apply NowInterest Rate
as low asAPR
as low asTerm
up to 30 yearsDisclosures
Certain restrictions may apply. Maximum Combined Loan to Value (CLTV) for rates listed above is 95%. Maximum CLTV for investment (non-owner occupied) is 80%. Rates and max CLTV assumes property is a single unit, primary residence, non-manufactured home.
Fixed-Rate Mortgages
Fixed-Rate
Apply NowInterest Rate
as low as %APR
as low as %Term
up to 30 yearsDisclosures
Certain restrictions may apply. Maximum Combined Loan to Value (CLTV) for rates listed above is 95%. Maximum CLTV for investment (non-owner occupied) is 80%. Rates and max CLTV assumes property is a single unit, primary residence, non-manufactured home.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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