Featured Rates
| Conventional (30 yr) | * |
| Conventional (20 yr) | * |
| Conventional (15 yr) | * |
FIRST-TIME HOMEBUYER PROGRAM1
✔ No Mortgage Insurance required
✔ 15 Day Ready to Close Guarantee 2
✔ Match or Beat your Rate 3
Disclosures:
1. To qualify as a First-Time Homebuyer, no applicant must have owned a primary residence in the past 3 years.
2. Our 15-Day Ready to Close Guarantee means we’ll be ready to send final loan documents to your settlement agent within 15 business days of receiving a signed contract, all required documents, your intent to proceed, and appraisal payment. If not, AltaOne will credit up to $850 toward your processing fee if the loan closes with us. You must request the “Ready to Close” program and be pre-approved within 90 days of the purchase contract. Loan must be locked at least 10 business days before signing. Offer applies only to California purchase loans on single-family homes, condos, or PUDs. Not valid for refinances, FHA/VA, HELOCs, 2nd mortgages, or multi-unit properties. Guarantee excludes delays outside AltaOne’s control, such as appraisal or third-party issues.
3. Rate Match offer requires written proof from another lender; loans must match in type, amount, term, and property. Minimum floor rate is 5.50% APR. Subject to credit and underwriting approval. Terms may change without notice. amount, term, and property. Minimum floor rate is 5.50% APR. Subject to credit and underwriting approval. Terms may change without notice.
Your Path to homeownership with altaone
Tips & Resources for First-Time Homebuyers
Buying a home is an exciting journey, and AltaOne Federal Credit Union is here to guide you every step of the way. From getting pre-approved for a loan to closing on your dream home, our comprehensive process ensures you have the support and resources you need. Here’s a step-by-step guide to help you understand what it takes to buy a house, making the process smooth and stress-free.
7 Steps to Buying Your Home
1. Get Pre-Approved for a Loan
Start your home-buying journey by getting pre-approved for a home loan with AltaOne. This will give you a clear idea of your budget and show sellers you’re a serious buyer.
2. Find a Real Estate Agent
Work with a trusted real estate agent who understands your needs and the local market. They’ll help you find the perfect home and negotiate the best deal.
3. Start House Hunting
With your pre-approval in hand and your agent by your side, begin shopping for your dream home. Attend open houses, schedule viewings, and explore different neighborhoods.
4. Make an Offer
Once you’ve found the right home, your agent will help you make a competitive offer. If accepted, you’ll move on to the next steps in the buying process.
5. Accepted Offer and Home Appraisal
Once your negotiated offer is accepted and we receive your purchase contract, we will order an appraisal to confirm the home’s value.
6. Finalize Your Loan
AltaOne will guide you through the process to confirm your loan details.
7. Close on Your New Home
Review and sign your loan closing documents and receive the keys to your new home. Congratulations—you are now a home owner.
For more detailed guidance and personalized support, call us at (833) 4-AltaOne (833-425-8266) or visit your local AltaOne branch.
We’re here to help you every step of the way!
Resources to Help You Plan to Buy Your Dream Home
Click on the images below to access each resource.
