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Buying a Home – Get pre-approved now


Learn more about our fixed-rate and adjustable-rate mortgage options.


WISH – Down payment Assistance Program

We can help make your homeownership dreams come true with the Workforce Initiative Subsidy for Homeownership (WISH) program.

As the largest credit union provider of the WISH grant, we’ve assisted over 676 families with grants up to $22,000 per purchase.

  • Must be a first-time homebuyer1and meet program eligibility requirements2
  • For loans up to $726,2003

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0% Down Loan Options

VA (Veteran’s Affair) Mortgage Loan

With 0% down, you can purchase a home with a VA mortgage loan. This mortgage option is specifically designed to serve our veterans who have proudly served or are serving in the military and eligible surviving spouses.4

  • 0% down
  • Fixed-rate mortgages with 30- and 15-year financing terms available
  • Adjustable-rate mortgages (ARM) with 5/1 financing term available, up to VA limits
  • No monthly mortgage insurance premiums

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Do you have 3-5% saved for a down payment?

Home-Ready® by Fannie Mae® (FNMA) 3%

Home-Ready mortgage is an affordable low down payment mortgage product designed for creditworthy low- to moderate income borrowers, with expanded eligibility for financing homes in low-income communities.

  • Down payment options available for as low as 3% down5
  • Fixed-rate mortgages with 30- and 15-year financing terms available
  • Reduced Private Mortgage Insurance (PMI)
  • For loans up to $726,200

Federal Housing Administration (FHA) 3.5%

With as little as a 3.5% down payment, you can qualify to buy a home with a Federal Housing Administration (FHA) mortgage.

  • Down payment as low as 3.5%5
  • Fixed-rate and adjustable-rate mortgage options are available
  • Gift funds allowed for downpayment6
  • FHA mortgage loan amount limits apply
  • Mortgage Insurance required

Conventional FNMA 5%

With the Conventional FNMA 5%, put down as little as 5% for a down payment toward your new home.

  • Fixed-rate mortgages with 30- and 15-year financing terms available
  • Private Mortgage Insurance may be required
  • For loans up to $726,200

Apply Now

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Do you have greater than 5% and less than 20% for a down payment?

Like everything else in life, one size doesn’t always fit all, so why should saving for a down payment be any different? If you’ve saved greater than 5% and less than 20% for a down payment on a new home, then this is a great mortgage option for you.

  • Fixed-rate mortgage with 15- and 30-year financing terms available
  • Lower Private Mortgage Insurance premium than a 3-5% down loan
  • For loans up to $726,200

Apply Now


Investment Property

If you’re looking to purchase a single family home, townhome or condo as an investment property, TruWest has the knowledgeable mortgage loan originators who can provide expert guidance throughout the process.

  • Down payment options available as low as 25%4
  • Fixed-rate mortgage with 15- and 30-year financing terms available
  • For loans up to $726,200

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Medical Professional Home Loan Program

We offer specialized home loans which were created with the medical professional’s7 unique needs in mind8.

  • Available for existing medical doctors, dentists, and dental surgeons who are actively practicing7
  • Available for newly licensed medical students/residents about to begin a new career within 60 days of closing7
  • Single Family Residence only

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1Must qualify. Subject to credit approval, program availability, terms and conditions. Restrictions apply. Limited time and while supplies last. Down payment percentage is calculated as the difference between the lesser of the purchase price or appraised value of the home and loan amount. Grant amount dependent on borrower contribution. Maximum match amount of $22,000. Enrollment in the WISH Program is not a guarantee to the homebuyer of receipt of funds. The grant recipients must sign a Promissory Note, Deed of Trust and Rider to the Deed of Trust and there will be a lien placed against the subject property for the amount of the grant that will remain on the property for five years.
2Must be 18 years of age or older and earning a wage. Property must be located in Arizona or Texas. Restrictions and further qualifications apply. Contact TruWest Credit Union for full first-time homebuyer qualifications.
3Annual income limit is combined household annual income. Annual income is determined at the time of enrollment in the WISH Program, and based on income eligibility guidelines published by Federal Home Loan Bank of San Francisco and is at or below 80% of the HUD area median income.
4Subject to credit approval. Down payment percentage is calculated as the difference between the lesser of the purchase price or appraised value of the home and loan amount. Only for primary residences with 15- or 30-year fixed-rate term.
5On approved credit.
6Restrictions apply
7Eligible individual include medical residents, existing or newly licensed Physician Assistants (PA), Nurse Practitioner (DNP), Nurse Anesthetist (CRNA), Medical Doctor (MD), Doctor of Dental Science (DDS), Doctor of Dental Medicine (DMD), who are currently employed, in residency or fellowship, or newly licensed medical students who will begin their new employment/residency within 60 days of closing. Benefit is non-transferable; eligible individual must qualify as a borrower. Restrictions apply.
8Must qualify as a TruWest member. Financing solutions not available in AK, HI, LA, SC, VT, and WI. Condominium financing not available in NY and with restrictions in certain areas in FL. All loans subject to application and approval. Other restrictions may apply. Programs, rates, restrictions, terms and conditions are subject to change without notice.