Mortgages

Your house is so much more than a home – it’s a place all your own where memories are made, families grow, and dreams are celebrated.

We know buying a home will be one of the biggest decisions you make in your lifetime. As your trusted financial partner, we want to be with you every step of the way in achieving this major financial milestone.

Whether you’re a first-time homebuyer, upsizing, downsizing, or just looking to save on your current home loan – we can help. Fill out the form below to have one of our loan officers contact you about mortgage products available at the credit union and what our application process looks like. Or, if you just can’t wait another minute to apply, begin your application here!

First-Time Homebuyer Program: Turn Rent Into Homeownership!

Are you paying rent? What if that money could go toward your mortgage instead? With Educational Community Alliance Credit Union’s First-Time Homebuyer Program, owning a home is more affordable than ever!

Why Rent When You Can Own?

✔️ Loans up to $200,000
✔️ Monthly payments that could be lower than rent
✔️ Exclusive interest rate discounts to help you save:
  ✨ 0.25%* off when you put less than 10% down
  ✨ 0.375%* off for 10%–19.99% down
  ✨ 0.50%* off when you put 20%+ down
✔️ A simple, affordable way to step into homeownership

Your Dream Home Awaits

Imagine backyard barbecues, kids playing outside, and the joy of knowing your home is truly yours. Whether you’re tired of rising rent costs or ready to invest in your future, this limited-time program is designed just for first-time buyers like you.

*Rates, terms, and conditions are subject to change without notice. Eligibility includes first-time homebuyer status (no residential property ownership in the past three years) and intent to occupy the home as a primary residence. Minimum 3% down payment required. Interest rate discounts based on down payment: 0.25% off for less than 10% down; 0.375% off for 10%–19.99% down; 0.50% off for 20% or more down. Loan amounts limited to a $200,000 purchase price. Loans must meet Freddie Mac guidelines and are subject to credit approval. Membership eligibility required. Payment example: A $200,000 loan at 6.750% APR with a 3% down payment results in a $1,258 monthly principal and interest payment. With a 0.25% discount, the rate is 6.500% APR, lowering the payment to $1,226. Taxes and insurance not included. This is a limited-time pilot program. Other restrictions may apply. Equal Housing Opportunity.