Mortgage - 3 Steps to Buying Your First Home

Are you looking to purchase your first home?

BFSFCU makes buying your first home easy. We will consult with you on finding the right loan, help you find a real estate agent, and guide you through the process from start to finish. BFSFCU can help you get where you want to be!

Step 1

Get Pre-Qualified

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Visit our Real Estate Center to use our free resources and choose the mortgage loan that best fits your needs. You may apply for pre-qualification or schedule an appointment with one of our Loan Officers.

Step 2

Find Your Agent

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Use a real estate agent with HomeAdvantage™ and you receive a cash reward1 at closing. BFSFCU members receive an average cash reward of $3,219.83 when using the HomeAdvantage program.

Step 3

Find your Home

Your real estate agent will help you find the home and negotiate a contract. Once your contract is accepted and your loan is approved, our Mortgage Team will schedule your closing. Before you know it, you will be ready to move in to your first home!

Are you ready to get started?

Use the button below to start a mortgage loan application.

Apply Now

Loans to $453,100
Rate
APR
Points
10/1 ARM 30 Year 4.125% 4.632% 0.000%
7/1 ARM 30 Year 3.750% 4.632% 0.000%
5/5 ARM 30 Year 3.625% 4.847% 0.000%
5/1 ARM 30 Year 3.500% 4.725% 0.000%
3/3 ARM 30 Year 3.000% 4.781% 0.000%
Ten and Done (3 Yr ARM) 2.250% 3.562% 0.000%
Conforming 30 Yr Fixed 4.875% 4.920% 0.000%
Conforming 15 Yr Fixed 4.125% 4.201% 0.000%
High-Balance Loans*
Rate
APR
Points
High-Balance 30 Yr Fixed 5.000% 5.026% 0.000%
High-Balance 15 Yr Fixed 4.625% 4.670% 0.000%
Jumbo Loans above $453,100
Rate
APR
Points
10/1 ARM 30 Year 4.125% 4.609% 0.000%
7/1 ARM 30 Year 3.750% 4.610% 0.000%
5/5 ARM 30 Year 3.625% 4.824% 0.000%
5/1 ARM 30 Year 3.500% 4.702% 0.000%
3/3 ARM 30 Year 3.000% 4.758% 0.000%
Ten and Done (3 Yr ARM) 2.250% 3.506% 0.000%
BF Jumbo 15 Year Fixed 4.625% 4.661% 0.000%

* High-Balance mortgage loans are loans with original principal balances that exceed the general loan limits, but meet the high-cost area loan limits. High-cost loan limits are the limits that will apply in high-cost areas as defined by the Federal Housing Finance Agency (FHFA). Rates are subject to change at any time. To view all of our mortgage products and rates, or to find a mortgage to meet your specific needs, please click on the button below.

Get a Custom Rate Quote

1 Cash Rewards and/or member benefits vary by state. Please contact HomeAdvantage for additional information at 800 203-9014, Ext. 1.