A Loan Offering More Flexibility
Whether you're a first-time homebuyer or want to enter the market once again, this loan offers more ways to qualify. It also comes with less upfront costs.
Affordable ways to qualify, less upfront costs and ability to use gift funds.
Down payments as low as 3% for a 30-year fixed-rate mortgage.1
Use gift funds for the down payment and all your closing costs.2
Make homeownership a reality with a low down payment, reduced private mortgage insurance and no maximum income limits.
A 30-year fixed-rate term, for a predictable payment for the life of the loan.3
No loan processing fee when buying a home.4
Your loan stays with us so it won’t be sold to a financial institution you don’t know.
Homebuying Resources
Find the Best Home Loan for You
Compare Two Mortgages
Homebuying Essentials Workshops
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.
Providing great service comes with a few gold stars.
Apply Online
Log in with your SchoolsFirst FCU username and password, or as a guest.
Meet With a Loan Consultant
Discuss your options with a real estate loan consultant in person, over the phone or at a branch.
Call
Monday through Friday, 8 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.
Disclosures
APR = Annual Percentage Rate. All loans subject to approval. Lending area: State of California.
The interest rates and APRs listed above are effective as of
01/25/2026
and are subject to change without notice. The pricing you may qualify for is based on factors including your credit rating and loan-to-value (LTV) of your property. 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.
- Maximum permissible down payment for SchoolsFirst FCU HomeAccess® is 9.99%.
- Gift funds must be from a family member, defined as borrower's spouse, child or other dependent, or by any other individual who is related to the borrower by blood, marriage, adoption or legal guardianship. The donor may not be, or have any affiliation with, the builder, developer, real estate agent or any other interested party to the transaction.
- Principal and interest payments are fixed. Other costs such as property taxes and homeowners insurance may increase over the life of the loan.
- Available for all primary purchase residence loan types. Does not apply to first mortgage refinances. The amount of processing fee waived is $995.
- 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.
- 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
Insurance 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.