With this program’s low down payment and no Private Mortgage Insurance (PMI), we’re helping make homeownership affordable for school employees.

Today's Rates

As low as RECODEP1HAP-C30-NOMI-SE|Rate (RECODEP1HAP-C30-NOMI-SE|APR APR).

SEE ALL PURCHASE HOME LOAN RATES

Exclusively for school employees

• A 30-year fixed term, so you have a predictable payment for the life of the loan.¹
• Down payment as low as 5%.
• No Private Mortgage Insurance (PMI), which is usually required on loans with less than 20% down and can add several hundred dollars to your monthly payment.
• No loan processing fee through Dec. 31, 2021.²
  

And get a 20% rebate on a real estate agent’s commission through our HOME ADVANTAGE program.³

GET STARTED

If you're ready to begin searching for a home, start with the Credit Union you trust.

Call

Our loan consultants will answer your questions about financing, find a loan that’s right for you, and help you get pre-qualified.

800.462.8328, ext. 8288

Monday through Friday, 8 a.m. - 7 p.m.
Saturday, 9 a.m. - 3 p.m.

Online

Complete a simple inquiry form to have a loan consultant contact you.

INQUIRE NOW

If we aren't the best deal, we'll tell you.

If you've shopped rates elsewhere, we will gladly do a cost comparison to help you make a confident choice – even if that means choosing another lender.

All loans subject to approval.
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The interest rates and APRs listed above are effective as of MM/DD/YYYY and examples of the loan pricing offered for a particular product. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. A minimum credit qualifying score is required. Rates and programs are subject to change without notice. School Employee Mortgage Program is available for purchases only.

1. For a $450,000 fixed-rate loan for a term of 30 years with a 3.05% APR, the monthly payment will be $1,897.22.
   
2. Available for all primary residence loan types including School Employee Mortgage Program and First Time Home Buyer. Application must be dated no later than 12/31/21. Fully executed purchase contract on an identified property must be submitted no later than 12/31/21. Does not apply to equity loans or first mortgage refinances. The amount of the processing fee waived is $550 for School Employee Mortgage Program and $995 for all others.
   
3. Rebate payment is made by First Team Real Estate or HomeSmart Evergreen Realty and is credited to your benefit at the close of transaction. Purchase price must be greater than $150,000 after all credit adjustments. All rebates are subject to limitations, lender guidelines, and other requirements. Certain properties may not be eligible for rebates. Rebate is 20% for purchase only of a residential property in California. Rebate is 25% for a residential property sale and purchase in California. In order to receive the 25% rebates, the home sale and purchase transactions must take place within six months of each other. Please consult a qualified tax professional for advice on tax implications from receiving a rebate. First Team Real Estate and HomeSmart Evergreen Realty are not affiliated with SchoolsFirst FCU.