PremierOne Credit Union
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First-Time Home Buyers Program

If you're looking to buy a home for the very first time, our First Time Home Buyer Program may be the perfect fit for your mortgage needs! Our goal is to guide you through the home buying process and help you explore your options to ensure that you end up with the best mortgage. Our Mortgage Specialists are friendly, knowledgeable, and committed to helping you choose the best mortgage for your situation, as well as additional services to help you save money.


Program Benefits:

  • Save Up to $1,500 of CLOSING COSTS* 
  • Receive a 0.25% discount off your rate when completing the home buyer educational course online
  • Choose from a variety of mortgage loan options to fit your needs
  • Convenient 24/7 online application process to keep track of your loan status
  • Competitive rates, low fees, and a No-point program available
  • Get pre-approved quick and easy with local underwriting
  • Private Mortgage Insurance (PMI) available
  • Personalized service from a Mortgage Specialist to guide you



Home Buying Resources

What you should know before purchasing your first home.  Are you ready to purchase? How much can you afford? What to look for when purchasing a home.



Additional Educational Resources:


* A First Time Home Buyer is an individual that hasn’t owned a home in the past three years. Some restrictions may apply. All loans are subject to credit approval. Actual rate offered is determined by the loan term requested and by the applicant’s individual credit profile. Variable rate first mortgages are tied to the 1 Year Constant Maturity Treasury Index (CMT) index. They have 2% maximum annual rate increases and a 5% maximum lifetime cap. Margins vary by product and loan amount. Financing available up to 97% for borrowers who qualify for Private Mortgage Insurance (PMI).  Must be a member of the credit union to fund a loan. To be eligible for the 0.25% First Time Home Buying Program rate discount, applicants must meet the definition of a first time home buyer, as defined by the credit union, and successfully complete the Framework home buyer educational online course, a $75 value. A Certificate of Completion is required before close of escrow. For more information call 408.524.4500 or book an appointment online. 


New Auto*


5/1 ARM Mortgage*


15yr Fixed Mortgage*




More Rates


If you are using a screen reader or other auxiliary aid and having problems using this website, please call 408-524-4500 or 855-500-7128 for assistance. 


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