First-Time Home Buyers

Home Find a Mortgage First-Time Home Buyers

Open the Door to an Easy Low-Rate Mortgage

There’s a lot to know when buying your first home. Our expert mortgage team will help you step-by-step from getting pre-approved through closing. And as a first-time buyer, you may have access to specialty government-backed mortgage offerings through the Federal Housing Authority, VA and US Department of Agriculture2 which could help lower your costs.

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  • Fast pre-approval
  • Competitive rates on fixed and variable rate loans1,2
  • FHA, VA and USDA options for those eligible
Mortgage Calculator

Estimate Your Fixed-Rate Mortgage Payment

Use our calculator to make sure your new payment will fit into your budget. Enter the price of your home, the size of your down payment, your term, and interest rate and we’ll tell you how much you’ll pay on interest and principle.

Calculate Your Payment

Welcome Home, the Workers Way

Let a Workers Wayᵀᴹ financial coach help you create a personalized step-by-step plan to open the door to homeownership.

Convenient Online Payments

Pay your loan anytime from your online banking account or through the mobile app.3

Homeowner's Insurance

Workers Insurance Agency provides customizable coverage with flexible payment options.4

Government Backed Mortgages

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Term
FHA
VA
USDA

Single-Family Fixed Mortgages

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Term
30 Years
30 Years
20 Years
20 Years
15 Years
15 Years
10 Years
10 Years

1All Mortgages: Subject to credit underwriting and approval. Loan amount may vary based upon credit approval. Visit our rates page for all available rates and terms. Rates effective as of 8/18/2021 and subject to change at any time. Offers may be withdrawn at any time. Workers Federal Credit Union membership required. Annual Percentage Rate=APR.  

2VA, FHA & USDA Mortgages: These mortgage types are not included in the GiveBack Program. Programs for primary residence only and are subject to change.

3Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.

4Coverage varies by carrier. Products offered by Workers Insurance Agency and Affiliated Companies. Coverage is subject to eligibility and availability. Other terms, conditions, and exclusions may apply. Insurance products available through Workers Insurance Agency, a non-credit union subsidiary of Workers Credit Union are: NOT A DEPOSIT NOT NCUA-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE CREDIT UNION, OR AFFILIATES MAY LOSE VALUE.