First-time Homebuyer loan

Purchase your first home with a First-time Homebuyer loan from Oregon State Credit Union. If you’ve never had a mortgage or haven’t owned a home in the past three years, you may qualify as a first-time homebuyer. See home loan disclosures, rates and fees.

Apply here | First-time Homebuyer loan

Choose a First-time Homebuyer loan

This loan option is ideal if you:

  • Want to purchase your first owner-occupied home

  • Want help paying the down payment or closing costs

  • Are purchasing the home in which you'll reside

Enjoy these advantages:

  • Up to $500 off closing costs1

  • Flexible terms of 15, 20 and 30 years

  • Finance up to 97% of the value of the home

  • Help with down payment and closing costs based on income

  • First-time homebuyer classes available

  • Multiple down payment options

1$500 reduction off of closing costs for Oregon State Credit Union Premier Members and does not apply to Home Equity Line of Credit, Home Equity Loan or Land Loan.

Apply here | First-time Homebuyer loan


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