NOTICE: The San Francisco branch is temporarily closed due to the shelter in place guidelines. The following branches are open: Campbell, Cupertino, Dublin, Fremont, Milpitas, Palo Alto, San Jose, Santa Teresa and Sunnyvale. Our branch ATMs remain operational, with the exception that we may need to temporarily restrict access to select ATMs due to local conditions. Click here for branch locations and hours.

  • First-Time Homebuyers

    You have options when it comes to down payments and home loan options.

    Buying your first home is one of life’s biggest milestones. For many, it means, “I’m providing security and a foundation for my family.” As it may be one of the most significant, long-term investments you make, choosing a mortgage that fits your budget and lifestyle requires careful consideration.



    Down Payment and Loan Options

    Gathering your down payment can be a significant obstacle to home ownership. At Tech CU, qualified homebuyers may choose to make a minimal down payment, all while taking advantage of other money-saving options:

    • Variety of 95% financing programs*
    • No points/no cost loan options**
    • A wide variety of fixed and adjustable rate mortgage choices

    Quick-Close Guarantee

    • If we don't close your purchase loan in 10 business days , you'll receive a $500 gift card!***


    • Special assistance programs for first-time homebuyers available in many California counties. Check your county's website for details.

    Try out different mortgage scenarios .

    Calculate how long it will take to save for a home loan or a down payment.

    Personal Attention

    We have a team of professionals who are available to walk you through the mortgage process. Contact a Mortgage Consultant at (800) 553-0880 . You can also use our contact form .

Give Us a Call

We look forward to chatting with you.

(800) 553-0880

For new loan related inquiries, call

(877) 988-0471

View Our Contact Info

Visit Us in Person

We’re here to serve your needs in person at our San Jose Headquarters. Visit us at 2010 N. First Street, San Jose, CA 95131.
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