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There are few things in life as rewarding as owning a home. It’s the American Dream! It’s also one of the biggest investments most people make in their lifetime, so it’s no surprise that buyers are often under stress during the home buying experience. At Pacific Service Credit Union, we have the knowledge and experience needed to make home ownership a reality for our members. Whether you want to buy your first home or upgrade to a larger home for your growing family, the Credit Union is here for you.
The easiest way to start your house hunting is to make a list of all the necessary features you need. For example, if you’re upgrading for a growing family, you may find that you need three bedrooms and two bathrooms. You can also create a list of “extras” you want such as a pool, as well as those things you don't want like a busy street. Finding the right loan for you We know everyone’s financial situation is unique, so we offer many different ways to finance a home. For example, through our First Mortgage program, we offer interest-only, fixed- and variable-rate options. We also offer a first-time homebuyer’s program because we believe everyone deserves a chance to become a homeowner. Want to see how much house you can afford? Our mortgage calculator can tell you how much money you’ll need for a down payment or it can calculate your estimated monthly payments. To research current rates, visit our mortgage rates page. First-time homebuyers If this is your first home, everything may seem a bit overwhelming. Don’t worry, the Credit Union is here to help. We pride ourselves in helping first-time homebuyers navigate through the financing maze. Our Home Loan Payment Relief (HLPR) program is designed to help first-timers get into the home of their dreams. For qualified homebuyers, we'll pay closing costs and property mortgage insurance (PMI). Ask a real estate representative for details. Applying for your loan Ready to make the leap? Call a Credit Union real estate representative at (888) 858-6878, ext. 6220 and we’ll help find the perfect loan for your situation. You can also visit our Online Mortgage Center, available 24 hours a day, featuring rates, home buying information and instant online decisions! Home Buying Quick Fact: You may be able to deduct the interest and local property tax portions of your mortgage payment from your income tax return. This may help reduce your annual tax responsibility. To learn more about tax deductions, consult your tax advisor. Additional home-buying resources: Buying a home personal worksheet Related Articles Mortgage basics for first-time homebuyers Avoiding common homeownership mistakes Escrow basics for first-time homebuyers Buy instead of rent and pay yourself not a landlord Tax Breaks Make homeownership affordable Helpful Links Common Questions from first-time homebuyers Please consult your tax advisor regarding the deductibility of interest. |
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SECURITY NOTIFICATION For website security purposes and to ensure that access to the Pacific Service Credit Union (PSCU) website remains available to all users, PSCU may enable the use of software programs to monitor and record network traffic to identify unauthorized attempts to upload or change information or otherwise cause damage. Unauthorized attempts to upload information or change information on this website and any other illegal activities are strictly prohibited, may be reported to law enforcement agencies and may be punishable under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030. |
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Finding the right house for you