We make buying your first home easy! Buying your first home is a major milestone - one that brings excitement and plenty of questions. Fortunately, our loan experts have been there, done that. They are here to help you determine how much house you can afford, and what is the best mortgage product to meet your needs. Plus, you can get pre-approved for extra confidence when it comes to securing financing. ​

At FPCCFCU, we believe that everyone deserves a chance at financial success. We know that buying a home is a major step in your life, and we are devoted to making it as easy as possible. With our Equal Access Mortgage program, we are able to provide those in our low-income communities the opportunity to secure financing for a home with as little as 1% down. 

This special mortgage program was created to give back to those who serve our community as first responders, medical professionals, school educators, and more. We value what you do, and because of that, you shouldn't have to worry when it comes to making the purchase of your dream home. We'll keep your hard-earned money in your pocket by offering you up to 100% financing. 

Looking to purchase, refinance, or invest? Conventional mortgages provide home buyers with a greater variety of options than other home mortgages. A fixed-rate mortgage with flexible terms is a smart choice. With a locked in rate, and flexible terms (10, 15, 20 or 30 years) your monthly principal and interest payments won’t change over the life of your loan helping to keep you on budget. Our loan specialists are able to help you make the best choices most suitable for your needs.

Need money for large purchases like home renovations, a dream vacation or even a car? A second mortgage gives you access to the equity you already have in your home. Did you know the interest paid on your home equity loan is often tax deductible? Have monthly bills you hate keeping track of, consider consolidating them into a single loan with one easy payment. You can even use it to pay for college!

Accomplish what you need to without dipping into savings or having to pay high interest.

You’ve been paying for your home for years, it’s time to let those mortgage payments start working for you. A home equity line of credit uses the collateral you’ve built within your home to fund a wide range of personal needs.

Whether it’s fixing up the house, consolidating debt or paying for education expenses, a Home Equity Line of Credit can help you get started. Our low rates and terms can get your plans moving. Get repayment terms that work for you with rates for short-term or long-term needs. The interest you pay on these loans may be tax deductible.