You’re thinking about a new home. We’re thinking about you. No two households’ financial needs are the same. You can trust that your credit union is going to give you advice tailored to your specific financial situation and that you will walk away with a plan to get you on the right path toward managing your mortgage and savings goals for the future. When you combine a great rate with a financial partner who is invested in your success, you’re one step closer to making your dream a reality.

With more than one type of mortgage, you have flexibility and choice. Our mortgages are designed to meet your needs and our knowledgeable, friendly staff will guide you through the mortgage process.

Borrowed Down Payment Program

Saving a down payment for a mortgage can feel like an impossible goal. At Valley Credit Union you have access to the Borrowed Down Payment Program which allows qualifying applicants to borrow their 5% mortgage down payment in the form of a loan*, making it possible to purchase your new home now.

Don’t wait! Make an appointment now to find out if you qualify.

Purchasing a home is one of the biggest financial decisions you will make in your life. Choosing a mortgage is as important as choosing the house. When making your choice, you owe it to yourself to really look at the advantages and long-term cost benefits of a Valley Credit Union mortgage. 

Variable... Allows you to take full advantage of changing interest rates
Open... flexibility at your fingerprints
Closed... feel secure with a fixed rate and a payment with a specific term

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First Time Home Buyer

Are you ready? Where do you start? Fixed rate or variable rate? Open or closed mortgage? What’s an amortization period? Is home ownership even right for you?.

This is where we come in. There is a lot to learn before you make the leap into home ownership and we can help you figure out what is best for your specific circumstance. We know that buying a home is probably the single biggest investment you’ll ever make and that you want to make wise decisions. We want that for you too. Because credit union members are also shareholders, our success depends on your success. So giving you the absolute best advice we can is in our best interests too.

You’ve got options. And understanding where to start is a first step to being prepared. Get started by booking an appointment. We can discuss your options and determine the right plan to get you into your home sooner. Or you can get started online with our First Timers Guide: Buying your First Home, designed to help answer your questions and understand what’s next.

Not sure you can afford a mortgage? Check out our mortgage calculator and First Timers Guide: Budgeting to get a better idea of your situation.

*On approved credit. Certain terms and conditions apply. 5-year fixed rate.

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