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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.

    *** Quick-Close Guarantee available on single family purchase transactions only. Refinances are not eligible. 10-day close is for the purchase of a primary home in California and this is dependent on the borrower and third parties providing the credit union the required information to fund the loan. If the borrower and third parties provide Tech CU with all required information on time and Tech CU does not fund the loan in 10 business days (from application to close), Tech CU will give a $500 gift card to the borrower. $500 gift card not redeemable for cash. Tech CU is not responsible for replacing lost or stolen gift cards. All loans require Tech CU membership and credit approval. Additional conditions and restrictions may apply. To qualify for the offer and for more details, you must advise your Mortgage Consultant that you are requesting a 10 day close.