Buying a House

Achieving the "American Dream" of home ownership is incredibly rewarding!  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. 

Interest paid on mortgage loans is 100% tax deductible for most California homeowners.  Please consult your tax advisor for details.

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.

Finding The Right House
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
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. Our loan payment calculator can calculate your estimated monthly payments. To research current rates, visit our mortgage rates page.

Applying for your loan
If you're ready to get started, we can pre-qualify you for your new home purchase.  Knowing how much you qualify for will help narrow your search and give you an added advantage when it comes to making an offer.  We can help find the perfect loan for your situation by calling (888) 858-6878.  Or, visit our First Mortgage page for more information.

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