Home Buying
Start the home buying process with confidence.
We have the tools you need to make your dream of homeownership a reality.
SmartBuyer™
Make a smart move and own a home with relaxed qualifications and little money down.**
HomeAdvantage®
Find a home with a trusted agent and earn $1,992 in cash rewards along the way!
HomeReady™
Enjoy expanded eligibility, payment flexibility and other borrower-friendly features.
Medical Professionals
Up to 100% financing, without mortgage insurance, for Medical Professionals.
FlexiRate™
Protect your mortgage rate while you shop for a home you love.
HomeAdvantage®
and earn $1,992* in cash rewards at closing!
Looking for more information? We'd love to hear from you.
Our dedicated home loan experts are here for you every step of the way.
Find a Location
Meet a Home Loan Specialist at your nearest service center.
Home Loan Resources
Check out relevant articles, calculators, videos and more.
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Disclosure
HomeAdvantage® program is made available to you through a relationship between BCU and HomeAdvantage®. Program Cash Rewards are awarded by HomeAdvantage® to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage® is a registered trademark of HomeAdvantage®.
*Average cash rewards calculated based on 495 home closings with a real estate agent in the HomeAdvantage network of approved agents between 1/1/2021 and 12/31/2021.
**All loan applications are subject to a full underwrite and require verification of income, assets, employment and rental history if applicable. All loans are also subject to final credit approval, which includes verification of application information and receipt of collateral documents. This offer applies to owner-occupied residential properties only. (Single family homes, condos and townhomes). To qualify, you must demonstrate that you haven’t owned a home in the last three years. Loan not available in Puerto Rico.