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First-Time Home Buyer
Are you ready yet? Find out here.
Have you checked your credit score?
Great! Higher credit scores are good; but if your score is low, there are steps you can take.
Checking your credit score is a good first step and helps you know more about what you qualify for in the way of loans.
Are you pre-approved?
Good move. Preapproval lets sellers know you’re ready to buy a home. Now is a good time to lock your interest rate with CEFCU.
Getting a loan preapproval helps you move forward in the process. It not only lets you know how much house you can afford, but it’s a good way to get answers to your questions early in the home buying process.
Do you know about low-down-payment options?
Ask about any new options available.
CEFCU offers low-down-payment options, such as USDA Rural Housing Guarantee Loan Program and Flex 97. Find out about all the available options.
Have you thought about closing costs?
That’s great. Be sure to ask us about closing cost assistance.
It’s time to think about closing costs. Have you saved for them, or do you plan on using a gift? Be sure to talk to us about your options. It’s a good time to ask about our Closing Costs special offer, too.
Do you have the documentation you need for your loan?
Use our Loan Checklist to be sure you have everything you need.
Get started with the Home Loan Application Checklist. It gives you information on Mortgages along with all the items you will need for the interview.
CEFCU NMLS ID #407798