Understanding Your Home Loan Options: A Life-Defining Moment

(2 Minute Read) — Buying a home is one of the biggest decisions you’ll ever make—but it doesn’t have to be overwhelming. In fact, Unitus wants to help you finance your next home with confidence. We’ll help you find your dream home!

At Unitus Community Credit Union, homeownership is more accessible with flexible, affordable loan options tailored to your unique goals.

Whether buying your first home, upgrading, downsizing, or refinancing, Unitus has a loan program for you. From traditional fixed-rate mortgages to specialized loans, the team of Home Loan Experts is here to support you every step of the way—from pre-approval to closing day. 

First-Time Home Buyer Loans

Ready to leave renting behind? We’ve got a home loan option for that. First-time home buyers can access additional funding programs through financial institutions and may qualify for federally backed loans, tax breaks, and other programs. Unitus’ First-Time Home Buyer Loan helps you break the cycle, with zero money down. It’s a powerful option for building equity from day one without needing a large upfront payment.

Be sure to check out our free Home Buying Seminars to guide you through key steps, industry trends, and strategies to strengthen your offer. 

Jumbo, FHA & VA Loans

Need more than a conventional loan can offer? We have several home loan options that can help. A Jumbo, FHA, or VA Loan might be the answer. Jumbo Loans can help you purchase high-value properties. FHA and VA loans are also available, giving veterans and others access to low-down-payment solutions. 

ITIN & Multi-Generational Loans

At Unitus, we proudly serve diverse households. We offer ITIN (Individual Taxpayer Identification Number) loans for those without permanent residency or visas, and Multi-Generational Loans designed for families who share living expenses and want to purchase a home together.

Refinancing & Home Buying Support

Already a homeowner? Explore refinancing to lower your monthly payments or take advantage of consolidating debt, home improvement, school tuition, your next vacation, etc.  

Wherever you are on your journey, Unitus is here to help make your dream home a reality. To schedule an appointment, connect with us here or call 503-423-8713.