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Make your first home purchase a reality for as little as 3% down.

Buying your first home is no small feat. It’s something many of us dream about our whole lives. Spectrum Credit Union created the First-Time Homebuyer Program to simplify the process and make it as affordable as possible — so you can focus on celebrating this exciting life milestone!

First-Time Homebuyer Program features:

  • Down payment as little as 3%*
  • Down payment may be 100% gifted


  • Program applies to single family homes, condominiums, and manufactured homes that are permanently fixed to the foundation 
  • Buyer must have credit score of 620 or higher 
  • Complete Fannie Mae’s HomeView™ homeownership education course.


Your Path to Homeownership

More information

Our Mortgage Loan Officers are here to help you every step of the way. Please call our Home Loan Help Desk at 888-750-4124. For those outside the U.S., call 510-251-6010.  

To check your pending application status, simply log in to your existing application.

* Other restrictions may apply.

Ready to become a member? Let’s get started.

If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.

Why join Spectrum Credit Union? Learn more.

From everyday finance to life’s big money moments, it’s better when you belong.