Rates starting at 6.375% (6.559% APR)¹
Affordable home ownership.
- Low rates
- Lock while you shop2
- 0% down loan options
4 Stages of Buying Your First Home
STAGE 1
Thinking About Buying A Home
STAGE 2
Looking for a Home
STAGE 3
Getting a Mortgage
STAGE 4
Closing & Moving In
2. Looking For A Home?
Are you trying to find that “just right” home but don’t know where to start? Or maybe you’ve seen hundreds of properties online but you aren’t sure which ones are right for you?
FirstPencu real estate services can help, providing you a streamlined home shopping and financing experience.
How Much Can I Afford?
Simplify your home search by knowing your price range to look for.
Our Affordability Calculator can help you estimate the price based on income, monthly debts, down payment, and the length of the loan term.
Follow these steps to see your results:
Step 1: Enter your annual income.
(If more than one person will own the home, include his or her income as well.)
Step 2: Input your monthly debts – and the debts of any co-owners.
Step 3: Input a down payment amount.
Step 4: Select a loan term. (Many people start with a 30-year term.)
Step 5: Calculate and view your results!
MORTGAGE AFFORDABILITY CALCULATOR
Annual Income
$70,000
Monthly Debt
$65,000
Down Payment
$0
Loan Term
30 Years
Monthly Debt
The calculator above is for educational purposes only. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
3. GETTING A MORTGAGE
Once you have an idea of how much you can afford and what you’re looking for in a new home, it’s time to get a mortgage.
We’ll walk you through the process and let you know what you need and what to expect when prequalifying or applying for a mortgage loan
MORTGAGE TERMS
Navigating a mortgage application or reviewing a new home listing can be confusing, especially when everyone seems to be speaking a different language. [Confused by these mortgage terms? Find help here.]
MORTGAGE TYPES
What mortgage type is best for you? It depends! Take a look at your options, compare rates and features, and find the mortgage right for you. [Explore Mortgage Options]
TOOLS & RESOURCES
Find more tools and resources here: Explore VA Mortgage Loan Options Mortgage Calculators Homebuying Resources By State (HUD Resource)
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This credit union is federally insured by the National Credit Union Administration. Rates are current as of April 2025 unless otherwise noted and are subject to change.
APY = Annual Percentage Yield
APR = Annual Percentage Rate