A Loan Offering More Flexibility
Whether you're a first-time homebuyer or want to enter the market once again, this loan offers more ways to qualify. It also comes with less upfront costs.
Reduced fees, ability to use gifted funds and have a co-borrower on your loan
Down payments start as low as 3% for a 30-year fixed-rate mortgage.1
Permits the use of gift funds to assist with the down payment or other closing costs.2
Fewer closing costs and less Private Mortgage Insurance (PMI), compared to an average FHA loan.
A 30-year fixed term, so you have a predictable payment for the life of the loan.3
A family member can be a co-borrower on the loan.
No loan processing fee when buying a home.4
30-year fixed rates as low as
6.33 % APR
Full-Service Homebuying with SchoolsFirst FCU Home360®
We'll pair you with a loan consultant and local real estate agent to guide you through every step of buying or selling your home, with expert advice and exclusive discounts to save you thousands.
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Find the Best Home Loan for You
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Get the Right Home Insurance Coverage
Protect Your Biggest Investment
- Homeowners Insurance: Make sure you're protected from losses due to fire, lightning, burglary, vandalism, storms and more.
- Condominium Insurance: Get coverage for interior walls and floors, personal property and personal injury.
- Earthquake Insurance: This separate policy helps you recover, replace and rebuild if a tremor damages your home.
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Meet With A Loan Consultant
Discuss your options with a real estate loan consultant in person, over the phone or at a branch.
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Monday through Friday, 8 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.
Disclosures
APR = Annual Percentage Rate. All loans subject to approval.
At closing the primary Member(s) may not own other residential properties. The interest rates and APRs listed above are effective as of
12/29/2025.
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. Lending area: State of California.
- Maximum permissible down payment for SchoolsFirst FCU HomeAccess® is 9.99%.
- Gift funds must be from a family member, defined as borrower's spouse, child or other dependent, or by any other individual who is related to the borrower by blood, marriage, adoption, or legal guardianship. The donor may not be, or have any affiliation with, the builder, developer, real estate agent, or any other interested party to the transaction.
- Principal and interest payments are fixed. Other costs such as property taxes and homeowners insurance may increase over the life of the loan.
- Available for all primary purchase residence loan types. Does not apply first mortgage refinances. The amount of processing fee waived is $995.
NMLS Identifier: 405503
Insurance offered by SchoolsFirst Insurance Services, LLC subsidiary of SchoolsFirst Federal Credit Union. CA Insurance License 0I19344. Insurance products: 1) are not NCUSIF insured; 2) and are not obligations of or guaranteed by the Credit Union or any affiliated entities. Insurance products are not available in all states. Purchasing an insurance product from SchoolsFirst Insurance Services is not required to originate a loan with SchoolsFirst FCU.