We'll Help You Get HomeReady™

Don't hold off on your dream of homeownership


So, you’ve hesitated on homeownership because you thought your finances just weren’t ready. Maybe it’s the down payment, credit concerns, or your income. At FPCU, we'll help you get ready with a HomeReady Loan, powered by Sallie Mae®!

  • Lower monthly mortgage insurance premium
  • 30-Year Fixed Conforming & High-Balance options available
  • More flexible credit guidelines
  • Gift funds eligible
BENEFITS HOMEREADY FHA LOANS
Down Payment as little as 3% as little as 3.5%
Cancellable mortgage insurance* Yes No
Immediate appraisal orders from lenders Yes No

We know every situation is unique. That’s why we focus on you and finding the options that fit your individual needs.

Ready to make a house your home? Let’s chat! Give us a call at 877.404.3728, visit your local branch, or apply online today!



Are you HomeReady?    Apply Now

APR=Annual Percentage Rate. 30-year fixed rate loan payment example: 3.500% interest rate with 0 points, 3.589% APR, loan amount of $417,000, payments for months 1 -359 would be $1,872.52 with one final payment of $1,870.20. Example based on owner-occupied, single family residence, no cash out refinance in California. Additional terms at this rate are based on a 60% Loan to Value ratio and 740 representative credit score. Loans subject to borrower and property qualifications, not all applicants may be approved. Rate and terms as of February 12, 2016; subject to change without notice.

*Restrictions apply.