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  • First-Time Homebuyers

    Buying a home is one of life’s big moments. For many, it provides a foundation to security and emotional comfort. After all, owning a home is a significant long-term investment. Choosing a mortgage that fits your budget and lifestyle requires careful consideration.

    Compare our Mortgage Loans

    Down Payment and Loan Options

    Your down payment can be a significant obstacle to home ownership. At Tech CU, qualified homebuyers may choose to make a minimal down payment, all while taking advantage of other money-saving options:

    • Variety of 95% financing programs*
    • No points/no cost loan options**
    • A wide variety of fixed and adjustable rate mortgage choices

    Quick-Close Guarantee

    • If we don’t close your purchase loan in 10 business days, you’ll receive a $500 gift card!***


    • Special assistance programs for first-time homebuyers available in many California counties. Check your county's website for details.

    Try out different mortgage scenarios on our Rate and Payment Calculator

    Personal Attention

    Tech CU has a professional team of experienced Mortgage Consultants available to take you through the mortgage process. Contact a Tech CU Mortgage Consultant at (408) 451-9111 or (800) 553-0880, or email

    Apply Online

    * Not all loan programs are available with a 95% LTV, and rates may be higher than those shown on the website.  Contact a Tech CU Mortgage Consultant for more information about first time buyer programs in your area. 

    ** A No Cost version requires no lender closing costs or third party costs (such as appraisal and title) to establish the loan.  No Cost option available on conforming fixed rate loans only.  Additional conditions and terms will apply to no points and no cost loans. Please contact the Credit Union for additional information.

    *** The Tech CU Quick Close Guarantee (“Guarantee”) is available only on an approved application for a first-position loan used to purchase an owner-occupied 1-4 unit California residential dwelling. Applicant must request the Quick Close Guarantee from a Tech CU Mortgage Consultant at the time of application. Other real estate-secured loans are not eligible. If, due to circumstances within Tech CU’s control, an eligible loan fails to close within 10 business days after Tech CU receives a complete loan application, borrower will receive a $500 gift card. One gift card per loan. No cash substitution. Gift card will not be replaced if lost or stolen. A complete application includes, at minimum, all documents and verifications required of applicant and third parties such as employer, appraiser, title company and HOA; additional documents may, at Tech CU’s reasonable discretion, be required before application package is deemed complete for purposes of the Guarantee.