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Purchase a Home

couple with moving boxesFinding a low-interest home loan is the first step towards securing the perfect property for you and your family.

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The home loan you choose to apply for should be an accurate reflection of your unique needs and lifestyle choices.

The best benefits of applying for a home loan with us include:

  • An easy digital application process
  • Convenient low monthly payments
  • Lower interest rates than for-profit competitors
  • First and second mortgage options

Call us today at (925) 335-3870 for additional information, or Apply Now

Already started your application? Click here to continue.


Home Mortgage Loan Rates

The quality of your mortgage is important. In fact, your mortgage is likely the key component of your overall financial health and wellbeing, which is why we at 1st Nor Cal® Credit Union offer some of the lowest APR home loans in the area. Our mortgages also feature super low closing costs and we will take time to review these dramatic savings with you during the application process. Fixed-rate loans allow you to keep more of what you’ve earned, and use saved funds to enhance your home and lifestyle in your own unique way.

To enhance the borrowing experience, all credit union members are welcome to use our easy-to-navigate online application portal and apply online in just a few clicks.

Not yet a member of 1st Nor Cal® Credit Union? To take advantage of all our unique benefits and membership perks, apply to join today! With a simple application process and professional customer service options, joining our financial family has never been easier.

To receive a personalized quote for your next home loan, call our helpful staff at (925) 335-3870.


Home Loan Resources

Make smarter choices by consulting with the people and resources that matter most. For additional assistance, reach out to our helpful 24-hour member service at (888) 387-8632.

Home Loan Resources

Fund your next project!

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Purchase a Home Resources

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Home Loan Frequently Asked Questions

To help you navigate the home buying process, 1st Nor Cal® Credit Union has compiled a list of helpful resources to answer commonly asked questions about buying a home, applying for home loans, and more.


How Are Home Loan Payments Calculated?

Your monthly home loan payment will be calculated according to:

  • The interest rate (variable or fixed)
  • Term length
  • Purchase price of the home
  • Down payment

Other factors may influence these numbers, but they will largely revolve around personal circumstances. Speak with a professional loan officer for more information.

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How Much Down Payment Do I Need To Buy A Home?

The amount of down payment you will need for your home will depend on at least three factors, namely:

  1. The price of the home
  2. The home loan interest rate
  3. The Loan To Value (LTV) ratio required by your lender

The average down payment for American home buyers is approximately 11% but often ranges between 3.5% and 20%. Keep in mind that the higher your down payment is, the less you will pay over the life of the loan. There is a much better chance for negotiating a lower interest rate with a higher down payment, as well as securing more capital.

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How Much New Home Can I Afford To Buy?

Figuring out exactly how much you can afford to spend on your new home will be one of the most important preparations in your home buying process. You’ll need to consider the following:

  • Current household income
  • Monthly bills and debts
  • Available liquid savings

We can help you set some specific home shopping parameters, but your overall goal will be to arrange for a monthly payment amount that allows you to pay on time without strain. The amount of your initial down payment will greatly affect your monthly payment amount as well as the variety of loan terms you have available.

Remember that realtor fees, closing costs, and other expenses should be factored into this equation as well.

For a fast and simple ballpark estimate of your personal home buying financial readiness, we recommend calculating your projected home loan payments using our Payment/Amortization calculator.

Payment / Amortization Calculator


Bring The Future Closer With An Affordable Home Mortgage

Buying a home is an exciting chapter of your life that requires preparation, planning, and of course a solid financing plan for it to succeed.

Invest in your future with 1st Nor Cal® Credit Union, and be one step closer to the home you love today.

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Already started your application? Click here to continue.

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