Homebuyer Resources

Learn about the home-buying process
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First-time homebuyers start your journey here:

 

As a first-time homebuyer, navigating your local housing market and applying for your first mortgage can be a daunting process. With Sacramento Credit Union, you'll have friendly, professional and knowledgeable mortgage experts helping you every step of the way. In the meantime, the information below can help you get started on your journey to purchasing your first home. 

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5 Things You Should Ask Your Realtor

 

Having an experienced realtor is important in your search for your next home. Read the 5 most important questions you should ask your realtor.

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Q&A with Top Local Agents

 

Our local and highly skilled Mortgage Loan Consultants are available to answer any questions you have about the process. Check out the most common questions about mortgage lending, answered by our very own team. 

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Frequently Asked Questions


 
It all depends on market conditions in your particular area. Find out which option makes the most sense for your finances by looking at the pros and cons of each. Use our calculator to find some answers.
Depending on your credit history and financial situation, you could qualify for Conventional, FHA, VA or First Time Homebuyer loan programs. Take time to research each and understand your mortgage options. Then click here to check our mortgage rates.
A prequalification letter gets you started and a pre-approval letter makes it official. Both show you're a serious buyer with financing lined up. You can use this calculator to determine how much you can afford for a monthly mortgage payment.
As a homebuyer, you'll be required to provide paperwork that shows your earnings, monthly debts and bank account balances.