First-Time Homebuyer Program

Your Homebuying Journey Begins Here.

Congratulations on taking the first step! We know that homebuying can be intimidating, and you probably have a lot of questions. We're here to help guide you and ensure that your first home purchase is a memorable experience.


  • At least one borrower must have a credit score.
  • At least one borrower must be a first-time homebuyer, as indicated on Form 1003 in the Declarations section where at least one borrower responds “No” to the question about having an ownership interest in a property in the last three years.
  • If all borrowers are first-time homebuyers, homeownership education is provided through the Homeownership Education and Housing Counseling program.

You're 3 Steps Away from Finding the Perfect Home.

number 1

Apply Online

The first step in the home loan process should always begin with submitting a loan application.


Get Pre-approved

Having a pre-approval before you start shopping will help you understand the home you can afford, and allows you to submit an offer faster.


Go Shopping

Now the journey starts! Partner with a realtor you trust to find your first dream home. 

Ready to get started?

Simply give us a call, live video chat through our MobiloilX App, apply online, or fill out our contact form and we will reach out to you directly. Our local mortgage team is ready to fund your first home loan.

Video Chat

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All loans serviced through Mobiloil Credit Union. Rates are determined by credit rating and term. Applicants are qualified in accordance with Federal, State and NCUA laws as well as the provisions of the Fair Credit Reporting Act.

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