First Time Home Buyers


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First Time Homebuyers Programme

Congratulations on taking your first step towards homeownership! Buying a home is a dream come true and perhaps the biggest purchase you’ll make in your life. With UNFCU, you can search for a new home with confidence. We are here to guide you through the entire home-buying process and help you choose the mortgage loan that’s right for you. What’s more, we offer a special first-time homebuyer’s programme – designed specifically with your needs in mind.

Ready to cross the threshold to homeownership?
Our first-time homebuyers programme is your key to affordable financing. It offers a special package of home-financing services such as one-on-one consultations, pre-approval, first-time homebuyers seminars, a special mortgage loan, and more!

UNFCU First-Time Homebuyers Mortgage Loan offers:

Free Budgeting Assistance
Work one-on-one with a UNFCU Mortgage Representative to establish a budget for your down payment.
Special Qualification Guidelines
UNFCU’s special 31/41* qualifying ratio allows for greater flexibility when determining what you can afford.
Financing Options
Choose from a full array of low-cost UNFCU fixed- or adjustable-rate mortgage loans.
Low Closing Costs
We work hard to keep our closing costs low. In fact, if you qualify, we will provide you with US $300 to help you cover these expenses!

If this mortgage loan sounds right for you, start the MortgageXPress™ application process today!

*Most lenders use 28/36-rule guideline, which requires that your monthly housing expense equal no more than 28% of your monthly gross income. In addition, your total monthly debt payments, plus your monthly housing expenses, may not exceed 36% of your gross monthly income.