Jorge and Faviola R., Members Since 2016
Faviola and Jorge R. MEMBERS SINCE 2016

Buying a Home

Your journey starts here.

APPLY NOW BECOME A MEMBER

Choose Your Path

Whether you're shopping for your first home or the next one, count on a simpler, more supportive experience.

First-Time Buyers

Get helpful advice through every stage of your homebuying journey — from application to closing.

Upsizing or Downsizing

Transition confidently with the right home and loan.

Second Home or Investment Property

Count on competitive rates and flexible terms to help you achieve your personal and financial goals.

Jorge and Faviola R., Members Since 2016

Discover SchoolsFirst FCU Home360®

Make your homebuying experience a successful one with concierge-level service to guide you through the process with ease.

You’ll be paired with a loan consultant and real estate agent, save for a down payment faster with an exclusive high-yield account and receive a credit to help with your closing costs.1

  • Buyers: Get a 20% rebate on your participating agent’s commission.1
  • Sellers: Benefit from a reduced listing fee and discounts on services.2
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Loans Made for You

Choose from a wide range of home loans, including SchoolsFirst FCU HomeAccess®, FHA, School Employee Mortgage, Adjustable-Rate Mortgage and more. Our consultants match you with the right loan to fit your budget and financial goals.

Your Mortgage Stays with Us

That means your loan won't be sold to a financial institution you don't know.

Why Members Choose Us

  • Applying is simple, with guidance at every step.
  • Closings are smoother and less stressful.
  • Workshops and financial tools help them make smart decisions.
  • They feel genuinely cared for and would choose us again.
ALL HOME LOANS

Homebuying Knowledge in Just an Hour

Our free Homebuying Essentials workshop will give you the expert insights you need to buy with confidence.

 
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Jorge and Faviola R., Members Since 2016

A Homebuying Journey Made Easy

As first-time homebuyers, Faviola and Jorge had heard stories from friends about year-long searches and endless paperwork, which left them feeling understandably nervous. Still, they decided to take the first step with the Credit Union, trusting they could get started on the right foot.

The couple soon met with a real estate consultant at their local branch, who took the time to carefully review their finances, answer their questions and set a realistic budget for their home search. Faviola and Jorge were matched with a local real estate agent who guided them through every showing until they found the perfect place to call home.

The entire process from start to finish took just three months, much to the surprise of friends who had warned them about potential challenges. "We got a great rate on our loan and even received the commission rebate," Faviola said. "SchoolsFirst FCU truly took us by the hand, guided us and made everything so much simpler."

Tools and Educational Resources

When you’re armed with the right information, it takes the stress out of homebuying.

The Real Costs of Owning a Home

READ MORE
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Compare Two Mortgages

CALCULATOR

Homebuying Essentials Workshops

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Protect Your Biggest Investment

  • Homeowners Insurance: Make sure you're protected from losses due to fire, lightning, burglary, vandalism, storms and more.
  • Condominium Insurance: Get coverage for interior walls and floors, personal property and personal injury.
  • Earthquake Insurance: This separate policy helps you recover, replace and rebuild if a tremor damages your home.
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Apply Online

Log in with your SchoolsFirst FCU username and password, or as a guest.

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Meet With A Loan Consultant

Discuss your options with a real estate loan consultant in person, over the phone or at a branch.

MAKE AN APPOINTMENT
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Call

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

(800) 462-8328, EXT. 8288
Disclosures

All loans subject to approval. Lending area: State of California.

  1. Rebate payment is made by First Team Real Estate or HomeSmart Evergreen Realty. Rebate is credited to your benefit at the close of transaction, and will be lowered by any reductions to the commissions paid to the participating agent in a concurrent purchase and sale of a home. Commission will vary. To be eligible for the 20% rebate, Member must complete the transaction with the agent assigned by SchoolsFirst FCU Home360®. Using SchoolsFirst FCU for a mortgage loan is not a requirement to earn the rebate. 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. 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.
  2. Discounted 1.5% listing fee is for a residential property sale in California when the home is sold and closes escrow. Does not include commission owed to buyer's agent (up to 3%). Sales price must be greater than $150,000.

NMLS Identifier: 405503

Offered by SchoolsFirst Insurance Services, LLC subsidiary of SchoolsFirst Federal Credit Union. CA Insurance License 0I19344. Insurance products: 1) are not NCUSIF insured; 2) and are not obligations of or guaranteed by the Credit Union or any affiliated entities. Insurance products are not available in all states. Purchasing an insurance product from SchoolsFirst Insurance Services is not required to originate a loan with SchoolsFirst FCU.