• CreditStart® Mortgage

    As a first-time homebuyer, you have options.

    CreditStart Mortgage is a home-buying program designed to help you purchase a home - while building credit. We're one of the top credit unions in the Bay Area offering a variety of fixed and adjustable mortgages to foreign nationals - over 40% of our purchase mortgages are for first-time buyers.

    And, qualified buyers can choose to make a minimal down payment, all while taking advantage of other money-saving options:

    • Variety of up to 80% financing programs*;
    • Fixed and adjustable rate options
    • No points/no cost loan options**
    • 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 .
    Calculate how long it will take to save for a home loan or a down payment.

    Personal Attention

    We have a team of professionals who are available to walk you through the mortgage process. Contact one of our Mortgage Consultants for more details or call (800) 553-0880 .

Give Us a Call

We look forward to chatting with you.

(800) 553-0880

For new loan related inquiries, call

(877) 988-0471

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Visit Us in Person

We’re here to serve your needs in person at our San Jose Headquarters. Visit us at 2010 N. First Street, San Jose, CA 95131.
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