For many people, buying a first home is one of life’s most meaningful milestones. Without the proper research and plan, buying a home can quickly become overwhelming. At SDFCU, we’re committed to ensuring our members are equipped with the tools and knowledge to make homeownership accessible, affordable, and more achievable.
Our first‑time homebuyer program is built to remove the barriers that often stand between you and your first set of house keys. SDFCU members can take advantage of features such as:
Down payments as low as 0%1
Competitive fixed‑rate mortgages with predictable monthly payments
A no‑cost 60‑day rate lock, offering stability while you shop for the right home
Availability in all 50 states, supporting members wherever life takes them
These benefits are paired with educational tools, personalized guidance, and a streamlined application process to help buyers feel confident at every step.
One of the biggest hurdles for first‑time buyers is saving for a down payment. To help bridge that gap, qualified SDFCU members may be eligible for a first‑time homebuyer grant of up to $17,5002, which can be applied directly toward their down payment. This powerful resource can dramatically reduce upfront costs and accelerate the journey to homeownership. This is a limited-time offer, so if you’re looking to purchase a home soon, be sure to contact us to get started on your financing!
With competitive mortgage options, meaningful financial assistance, and a mission rooted in service, SDFCU continues to empower members to build stability, equity, and a place to call home. For first‑time buyers, the dream of homeownership is closer than ever.
Our mortgage team is here to help you achieve your homeownership goals. Speak with our Mortgage Team to get started by calling 703-739-3092 or email mortgage@sdfcu.org.
1Available for term of 30-year fixed-rate mortgage. Owner-occupied residence only. Must not have an ownership interest in a property in the last three years. Eligible property types: Single Family 1 Unit, Condo or PUD properties only. Ineligible property types: Mobile homes, Co-ops, and Manufactured homes. Minimum loan amount of $50,000 and Maximum conforming loan limits apply. Subject to credit approval, must meet minimum credit score. Combination with other Financing Programs not available.
2Down payment assistance programs are subject to credit approval. Borrowers must earn 120% or less of the median income in their residential area to qualify. Approved grant funds can only be applied towards down payment and/or closing costs related to the purchase transaction. This offer is valid as of January 1, 2026, and will end once funds are depleted. To determine eligibility, please speak with an SDFCU representative.
NMLS: 460361
