NOTICE: Good news! Our Milpitas, Sunnyvale, and Palo Alto branches have reopened, observing safety protocols. We can’t wait to see you! Our San Francisco branch remains temporarily closed. As more members opt for non-face-to-face interactions, you may experience longer hold times when calling our Member Contact Center. We apologize for this inconvenience. Click here for open branch locations and hours.

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  • First-Time Homebuyers

    You have options when it comes to down payments and home loan options.

    Buying your first home is one of life’s biggest milestones. For many, it means, “I’m providing security and a foundation for my family.” As it may be one of the most significant, long-term investments you make, choosing a mortgage that fits your budget and lifestyle requires careful consideration.

     

    Down Payment and Loan Options

    Gathering 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!***

    Resources

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

    Try out different mortgage scenarios .

    tech-cu-icon-calculator
    • Calculate how long it will take to save for a home loan or a down payment.
    • Calculate if you should rent or buy a home.
    • Calculate how much you can borrow for a house.
     
     

    Personal Attention

    We have a team of professionals who are available to walk you through the mortgage process. Contact a Mortgage Consultant at (800) 553-0880 . You can also use our contact form.

  • * 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.

     

Give us a call

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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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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