First Time Home Buyers

First-Time Homebuyer Loans with Lower Rates & Fast Approvals

From pre-approval to closing day, we’re here to guide your first home journey.
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We Make Buying Your First Home Feel Right

At Service Credit Union, we know buying your first home is a milestone:

A front door to new memories. A backyard for first barbecues. A bedroom wall ready for crayon art.

When you're ready to take that big step, we're ready to walk beside you with expert guidance, competitive rates, and a hassle-free mortgage process.

  • Fast Approvals: Close in as little as 30 days.
  • Competitive Rates: Affordable financing options tailored for first-time buyers.
  • Expert Guidance: Our mortgage specialists simplify the process.
  • Low Down Payment Options: Flexible solutions for first-time buyers, including access to homebuying assistance programs tailored to all budgets.
  • Trusted Support – Real people, real answers, real dedication
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Kevin W., Sullivan, NH

I’m extremely impressed with how fast and smooth this home-buying process was with all parties involved. Thank you!
I’m extremely impressed with how fast and smooth this home-buying process was with all parties involved. Thank you!

Kevin W., Sullivan, NH
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Lawrence and Janet B., Wilton, NH

From start to finish, our refinancing mortgage was handled with courtesy and in a timely manner that was extended to us.
From start to finish, our refinancing mortgage was handled with courtesy and in a timely manner that was extended to us.

Lawrence and Janet B., Wilton, NH

Your Mortgage Questions, Answered

Are there loans available in my state?
Our mortgages are available in all U.S. states except Alaska and Hawaii.
What if I don’t have a large down payment?
We offer low down payment options to help make homeownership accessible.
How long does the mortgage approval process take?
Most applications are processed and closed within 30 days, depending on how quickly you provide documentation.
Do I need a perfect credit score to qualify?
Most loans require a minimum score of 620, and VA programs may allow lower scores.
*The displayed rates for conventional loans assume a loan amount of $250,000 for a single-family, owner-occupied purchase transaction with a down payment of 40% and a credit score of 740 or higher. VA rates assume a loan amount of $250,000 and no down payment. Conventional jumbo loans assume a loan amount of $806,500 and a 40% down payment. VA jumbo assumes a loan amount of $806,500 with no down payment. Payment examples can be obtained by clicking the calculate payments button above and do not include taxes or insurance premiums. Payment obligation will be higher. Appraisal rebate of up to $695 will be applied for purchase loans only. A purchase loan is the financing connected to the purchase of a property involving the transfer of title from seller(s) to buyer(s). Applicant(s) will be required to pay the estimated cost of the appraisal up front. Rebate will be applied as a credit at closing towards the total amount paid for the appraisal associated. Credit will not exceed the amount paid and cannot be transferred or exchanged for cash equivalent. Subject to change or be discontinued at any time.