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Welcome Home
Your Guide to First-Time Home Buying
Buying your first home is exciting, but it can also come with lots of questions. How do I find the right house? What kind of home loan do I need? How do I get started? You'll find answers and tools right here to guide you through the process.
Whatever you need, CEFCU is here to help you get into your home.
Getting Preapproved
We're here to help
Getting preapproved lets you know how much home you can afford. It strengthens your offer when you're ready to buy and locks in your best rate.
Finding the
Right Home for
You
Shop with your heart — and with your head. See what to look for and look out for when house hunting. Use our Home Shopping Checklist to compare features of the homes you see.
Choosing the
Best Mortgage
There are as many kinds of loans as there are homes — fixed-rate, adjustable-rate, 15-year, 30-year, construction, and more. We can help you choose the right one for you.
Understanding the
Mortgage
Process
Getting a mortgage — and getting into your new home — can seem complicated. Here, we'll walk you through the whole process, from preapproval to interview to closing.
CEFCU can help pay your closing costs
and that can save
you $700* or more.
Get all the
details here
Ready to Get Started?
Great! We
are too!
Get into your new home with a Mortgage from CEFCU. Use our Home Shopping Checklist to compare homes as you shop.
Apply online. You can check current rates, request information, and even apply for a loan right here.
Visit us or call. To apply for a loan or get your questions answered, visit a Member Center or call 1-800-542-3328 .
*Offer available for a limited time for qualified members in good standing who use a CEFCU Checking account and are purchasing or building their first home or haven't owned a home in the last three years. Select, third-party fees paid by CEFCU include: Appraisal, credit report, flood determination, tax service fee, title company closing fee, and recording fee. Fees CEFCU will not cover and which must be paid include, but are not limited to: Taxes, private mortgage insurance (PMI), prepaid mortgage interest and/or insurance costs, jumbo or discount points, attorney or title company fees not listed above, any interest rate relock fees. Offer is not available for loans used to purchase a second home, investment home, or non-owner-occupied home or to refinance or modify an existing loan. Contact CEFCU for complete details.