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
First-Time Homebuyer Loan
Ventura County Credit Union is proud to offer a special mortgage program designed for first-time and low-to-moderate income buyers right here in Ventura County.* Our goal is to make homeownership easier, more affordable, and within reach.
Why choose VCCU’s First Home Mortgage?
- Up to 100% financing of the home purchase price
- No down payment required
- Lower Private Mortgage Insurance Premium (PMI)
Who is eligible?
- First-time homebuyers or borrowers who have not owned a home in the last 36-months
- Eligible properties include single-family homes, townhomes, and condos*
- Completion of a homeowner education course (required before funding)
Ready to get started?
Discover how VCCU can help you unlock the door to your first home. Contact us today 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 140% of the AMI (Area Median Income), or $183,820 for Ventura County are not eligible.