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.
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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.
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:
Try out different mortgage scenarios .
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.