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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 280 families with grants up to $15,000 per purchase.

  • Must be a first-time homebuyer1and meet program eligibility requirements2
  • For loans up to $484,3503

Apply Now
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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 $484,350

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 $484,350

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 $484,350

Apply Now


No Private Mortgage Insurance (PMI) Option

We have two options available to help you avoid Private Mortgage Insurance. The first option is putting 20% or more down, and the other is a purchase money second, also known as a “piggyback” loan.

Apply Now

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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 15%4
  • Fixed-rate mortgage with 15- and 30-year financing terms available
  • For loans up to $484,350

Apply Now


1Restrictions apply. Contact TruWest Credit Union for first-time homebuyer qualifications. Must be 18 years of age or older and earning a wage. Must be at or below 80% of the HUD area median income limits. Subject to program, terms, conditions, and restrictions. Visit https://truwest.org/loans/mortgages/wish-program/ for further information.
2Subject to credit approval and program terms, conditions, and restrictions. Limited time and while supplies last. Must 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. Programs, rates, restrictions, terms and conditions are subject to change without notice.
3Subject to credit approval and program terms, conditions, and restrictions. As published by the Federal Housing Finance Agency.
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
795% CLTV applies only to Texas up to $250,000, all other active lending states are 90% CLTV
Must 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 credit approval and program, eligibility, terms, conditions, and restrictions. Programs, rates, restrictions, terms and conditions are subject to change without notice. NMLS ID 640299