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 6.625% ( 6.79% APR).

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, 2024.2

And with SchoolsFirst FCU Home360®, we'll pair you with an experienced SchoolsFirst FCU real estate loan consultant and participating real estate agent who will guide you through every step of buying your home. Plus, you'll get a 20% rebate on the agent's commission.3


Let's chat

Our loan consultants will answer your questions about financing, find a loan that's right for you and help you get prequalified.

Call (800) 462-8328, ext. 8288

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

Or schedule a meeting with a loan consultant in person, over the phone or at a branch.

Submit an application

Apply online through our application platform. Log in with your SchoolsFirst FCU user name and password, or as a guest.

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.

The interest rates and APRs listed above are effective as of 06/19/2024 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. Principal and interest payments are fixed. Other costs such as property taxes and homeowners insurance may increase over the life of the loan.
  2. Available for all primary residence loan types including School Employee Mortgage Program and SchoolsFirst FCU HomeAccess®. Application must be dated no later than 12/31/2024. Fully executed purchase contract on an identified property must be submitted no later than 12/31/2024. 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. Rebate is credited to your benefit at the close of transaction. 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.

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