Make your goals of homeownership a reality.
Find out if you qualify for a mortgage through our first-time home buyer program.
First Home Mortgage Loan
Special loan financing for first-time homebuyers
Locations: First Home Mortgage Loan Contact Us: First Home Mortgage Loan
Ventura County Credit Union is offering a special mortgage program tailored to first-time and low-to-moderate income buyers in Ventura County.*
We’re here to make the home-buying process easier and more accessible. Whether you’re just starting to explore or ready to take the next step, our team is here to guide you through every step. Check out the benefits & requirements to see if the First Home Mortgage loan is a good fit for you.
Home Loan Benefits include:
- Up to 100% financing of the home purchase price
- No down payment required
- Lower qualifying credit score
Home Loan Eligibility requirements:
- First-time homebuyers or borrowers who have not owned a home in the last 36-months
- Single family houses, townhouses, condos, and manufactured homes**
- Completion of homeowner education required prior to funding
Contact a Home Loan Specialist to get started or visit your nearest branch location.
VCCU is a full-service, Southern California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join!
All loans subject to approval.
*Borrowers with household income greater than 125% of the AMI (Area Median Income), or $144,250 for Ventura County are not eligible.
**Manufactured homes are limited to 95% financing and mortgage insurance is required.