First-Time Homebuyer
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, which features an adjustable rate and down payment options as low as 0%. It’s flexible and friendly, with a 100% Loan to Value (LTV)2. And 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 $277!3
Find Your Best Mortgage Rate
Finding the right mortgage rate for your dream home is no easy task, which is why we’re here to make checking rates easy and convenient. To see rates specific to your personal situation, simply plug in your information in our handy online tool.
Check Out Rates 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.
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Construction-to-Permanent Loan
A construction loan to build your home from scratch, that automatically converts to a traditional mortgage once construction is complete.
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 
From the Blog
February 2024
3 Key First-Time Homebuying Tips
April 2023
What's in a Mortgage?
February 2023
Homebuilding 101
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 plan3.
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 better rates, lower fees, and our Profit Payout. See how much you may be able to earn through our long-standing annual give-back, where we’ve returned $93 million to members over the past 12 years.