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Home Loans for First-Time Home Buyers

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.

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Learn more

Take the first steps to home ownership by learning what to expect throughout the process.

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The Power of Getting Preapproved

Learn the benefits of getting preapproved to show the seller you're serious and get more negotiating power.

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The Home Buying Process in 7 Steps

Learn what to expect in the home buying process with this simple 7-step summary.

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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
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Mortgage Learning Center

Empower yourself with knowledge by looking through our specially curated collection of helpful resources.

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Prepare for a purchase

Set yourself up for success by getting everything in order before you apply.

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Application checklist

Make sure you have all the right documents and information prepared before you begin the application process.

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Connect with experienced, trustworthy agents – and earn cash rewards at closing.

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Featured Home Loan

No-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.

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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.

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Make your purchase with confidence. For those buying for the first time, this home loan offers added convenience and flexibility.

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Mortgage calculator

Estimate costs and determine how much you can afford.

Monthly Payment
Property Tax: 167
Homeowners Insurance: 100
HOA Fee: 0
Mortgage Insurance: 167
Purchase Amount
Fixed Rate
Term Years
Advanced Options

More calculators

Explore these calculators to evaluate your purchase and refinancing options.

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Get ready to apply

Ready to make that home your own? Complete our simple online application.


Gain more buying power by filling out our online application before you begin house hunting.

Get Preapproved


Complete our online application in as little as 15 minutes. And if you need more time, you can save your progress and return later.

Apply Now

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.

  • RCU mortgages are available on CA properties only.