Need a boost to buy a home?
We have affordable financing for well-qualified buyers for NO down or a LOW down payment.
Let our home loan experts help you find the best solution to get you into your new home.
Low 5% down payment
General Underwriting guidelines: AUS DU/LPA: Approve/Eligible or Accept | MAX DTI: 50% (priced at 45%) | Min FICO Score: 620. Note: Example above based on 720 score | Property Type: 1-Unit SFR, PUD or Warrantable Condo (Priced as SFR w/no HOA) | First Time Homebuyer: Not Required | Impounds: Mandatory for LTV> 90% | Max LTV/CLTV: 95% | Max Loan Amount: High Balance Loan Limits | PMI Renewal: 0.52% first 120 months; 0.17% for remaining 240 months; 78% midpoint payment cancellation | Close of Escrow (COE): Closing Cost based on month-end COE
NO down payment & NO PMI
*PB 1ˢᵗ Mortgage Rate: Add 0.125% to Rate. PB 2ⁿᵈ: Add 1.875% to Final 1ˢᵗ Rate
General Underwriting guidelines: AUS DU/LPA: Approve/Ineligible or Accept | MAX DTI: 45% | Min FICO Score: 720 | Property Type: 1-Unit SFR, PUD or Warrantable Condo, or 2-Unit Duplex (Priced as SFR w/no HOA) | First Time Homebuyer: Mandatory for all occupying borrowers | Impounds: Not Mandatory | Max LTV/CLTV: 80/100% | Max Loan Amount: Max secondary financing is $250,000
Rates shown as of 4/29/2025. Rates are subject to change without notice | NMLS #525600 | APR = Annual Percentage Rate. Close of Escrow (COE): Based on month-end closing with one day of interest. Property Type: Primary Home. All loans subject to credit approval, standard underwriting guidelines and WPCCU membership status. Examples are for well-qualified buyers. Other terms and programs available. Restrictions apply. Contact WPCCU for details. WPCCU is an Equal Housing Lender. Federally insured by NCUA.
