First-Time Homebuyer

Exclusive First Time Homebuyer (FTHB) Program

  • Low down payment - as low as 3% down

  • Low fixed rate home loan with 30-year term

  • 0 point option available

  • Same day loan pre-approval*

  • Available for conventional loan amounts

  • Earn THOUSANDS in cash back through our closing credit program**

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Let's get you started on the path to homeownership!

An NGFCU Home Loans Concierge Specialist is ready to help you take the first step in your exciting journey. Request your complimentary first-time homebuyer consultation or apply today. 

* All required documentation must be submitted by noon Pacific Time. Not applicable to weekends or credit union observed holidays.
** 20% commission rebate is determined by the action side commission paid to Compass at the close of escrow. If Compass receives a commission, the NGFCU member will receive a 20% closing credit from the Broker’s gross commission. Not all states qualify. Eight states have a full ban on broker rebates: Alaska, Kansas, Louisiana, Mississippi, Missouri, Oklahoma, Oregon, and Tennessee. In addition, Iowa prohibits rebates when the consumers use the services of two or more real estate brokers during a transaction.  Compass is not affiliated with NGFCU.