First-Time Homebuyer
Ready to Buy a Home?
Ready to Buy a Home?
Join one of our FREE homebuying workshops and receive $500 towards closing costs for attending.1
Join one of our FREE homebuying workshops and receive $500 towards closing costs for attending.1
Register Now We Make the Mortgage Process Manageable
Buying a home is a big decision, and it can feel even bigger when it’s your first time. As the Official Mortgage Lender of the Kansas City Chiefs, our team includes local lenders and processors, so you can count on us for the expertise you need. We’re here to answer your questions and guide you through every step in the home-buying process.We’re proud to offer a First-Time Homebuyer Loan1 with down payment options as low as 0%. This loan features 100% Loan to Value (LTV)1 and a fixed interest rate for the first 10 years, giving you predictable payments and peace of mind. After the initial 10 years, your rate adjusts every 6 months, keeping your mortgage competitive and flexible to meet your needs.
As an added bonus, a mortgage with us can help you qualify for an increased share of our Profit Payout. This year, qualified mortgage households received an average Profit Payout of $267!*
First-Time Homebuyer Loan Options
FHA Loan
Available at a fixed rate with varying terms through the Federal Housing Administration. A great option for smaller down payments.
Apply Now 
Conventional Mortgage Loan
A traditional fixed- or adjustable-rate mortgage loan offering as little as 3% down for well-qualified borrowers.
Apply Now Apply to Get Pre-Qualified
Be ready when you find your dream home. We make the mortgage process simple – our online application only takes about 20 minutes to complete. If you have questions or would like help with any part of your home-buying journey, give us a call at 913.905.3799 or visit one of our convenient branch locations.
Get Started
First-Time Homebuyer Tips
Evaluate Your Credit Score
Paying down debt leads to a better credit score. A better credit score leads to a better mortgage rate. You can check your score at AnnualCreditReport.com.
Determine How Much House You Can Afford
Simply plug your information into this handy calculator to find out how much of a mortgage you may be able to obtain.
Save for a Down Payment
If you can make a down payment of 20% or more of the home’s purchase price, you can avoid paying for Private Mortgage Insurance (PMI).
Budget for Additional Costs
While property taxes and home insurance are often factored into your payment, you’ll also want to consider expenses such as one-time closing costs.
Calculators
Should I Rent or Buy?
Compare costs of buying vs. renting to see which makes sense for you.
Learn More 
Homeowners Insurance
Protect your biggest investment
Getting into your dream home takes a lot of work, so once you achieve that milestone, you’ll want to make sure it’s covered. A homeowners insurance policy will help ensure your home, and everything in it, is well protected. Our friendly Insurance Agents will work with you to find the right coverage for the right price. It’s quick and easy to get a free quote online, or get in touch if you’d like a more customized plan2.
Profit Payout*
Investing in YOU by sharing our profits.
As a not-for-profit credit union, we return our profit to those who bank with us in many ways – like competitive rates, low fees, and our annual Profit Payout. See how much you may be able to earn through our long-standing annual give-back, where we’ve returned $100 million to members over the past 13 years.