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. APR=Annual Percentage Rate. 30-year fixed-rate loan payment example: 3.000% interest rate with 0.375 points, 3.031% APR, loan amount of $350,000 = payments for months 1-359 would be $1,475.61 with one final payment of $1,477.89. Example based on an owner-occupied, single-family residence purchase, in California. Additional terms at this rate based on a 60% Loan-to-Value ratio and 740 representative credit score. Loans subject to borrower and property qualifications. Refinance pricing is subject to an adjustment based on transaction characteristics. All refinance applications will have an additional .50 fee in conjunction with FPCU’s standard Refinance Pricing adjustments. Not all applicants will be approved. Rate quoted as of 09.17.2020, and are subject to change daily, at any time, and without notice. View today’s rates.

*Restrictions apply.