Buying Your Home

Note: Thanks for your interest in BCU home loans! We look forward to assisting you and appreciate your patience as we work through a high volume of applications.

Start the home buying process with confidence.

We have the tools you need to make your dream of homeownership a reality.


key with a house in it icon

SmartBuyer™

Make a smart move and own a home with relaxed qualifications and little money down.

home in a yard sign

HomeAdvantage®

Find a home with a trusted agent and earn $1,707 in cash rewards along the way!

home with a checkmark in it icon

HomeReady™

Enjoy expanded eligibility, payment flexibility and other borrower-friendly features.

couple walking into house with realtor

HomeAdvantage®

Partner with a trusted real estate agent
and earn $1,771 in cash rewards at closing!

Learn More

Looking for more information? We'd love to hear from you.

Our dedicated home loan experts are here for you every step of the way.
find a location pin icon

Find a Location

Meet a Home Loan Specialist at your nearest service center.

Laptop with a house in it icon

Home Loan Resources

Check out relevant articles, calculators, videos and more.

  • Disclosure

    ​​​​​​​​​​​​​​

    HomeAdvantage® program is made available to you through a relationship between BCU and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. CU Realty Services may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: AL, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KS, MA, MD, ME, MI, MN, MO, NC, NH, NM, NJ, NV, NY, OH, OK, OR, PA, TN, TX, UT, VA, WA, WI, and WV. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage® is a registered trademark of CU Realty Services, LLC. HomeAdvantage® is a registered trademark of CU Realty Services, LLC.

     

    **All loan applications are subject to a full underwrite and require verification of income, assets, employment and rental history if applicable. All loans are also subject to final credit approval, which includes verification of application information and receipt of collateral documents. This offer applies to owner-occupied residential properties only. (Single family homes, condos and townhomes). To qualify, you must demonstrate that you haven’t owned a home in the last three years. Loan not available in Puerto Rico.


X
Cookies allow us to give you the best website experience possible. Let us know you agree to cookies.
I’m OK with that