home
First-time homebuyers
Your first home starts here
You don't have to figure out homeownership on your own. Our Real Estate Loan Consultants walk with you from your first question through closing day, so you always know what's next and why.
Know what you can afford
Before you start touring homes, it helps to know your number. Pre-approval tells you how much home loan you qualify for, but affordability is more than that figure. Taxes, insurance, utilities and maintenance all factor into what's comfortable for your budget, not just what you can technically borrow.
Your Real Estate Loan Consultant will walk through your full financial picture with you and help you land on a price range that fits your life.
What you'll need
Having these ready up front keeps your loan moving quickly and smoothly.
Employment, income and debt
Assets and down payment sources
Your new home
Additional documentation, if applicable
If you think we might need a document, bring it. Being ready with everything up front is the single biggest thing you can do for a smooth closing.
Choosing the right financing
A 30-year fixed-rate home loan is the most common choice, but it isn't right for everyone. HCU also offers other fixed-rate terms, adjustable-rate loans, bridge loans and new construction loans. Your Real Estate Loan Consultant can help you compare options and find the right fit for your situation.
Down payment assistance
You may qualify for grant assistance
Income-eligible first-time buyers may qualify for up to $15,000 toward a down payment or closing costs. Our HOPE Grant offers up to $5,000 and isn't limited to first-time buyers. Subsidies are limited each year, so it pays to ask early.
A few things to keep in mind
HCU also hosts in-person homebuyer workshops from time to time. Ask your Real Estate Loan Consultant about the next one.
Ready to get started?
Talk to a Real Estate Loan Consultant today, or apply online whenever you're ready.
Official Financial Wellness Partner Of Tiger Athletics
