We Have the Keys to Your New Home


Spectrum Credit Union has the flexibility to offer several special home loan programs. We’re committed to helping you get financing that makes sense.

First Time Homebuyer Program 

Our program for first time homebuyers can help make your dream of homeownership a reality.

• 3% down
• 620+ credit score
• Down payment can be 100% gifted

Single family homes and condominiums both qualify to be purchased through our First Time Homebuyer Program.

Condo Lending Program

Finding a mortgage for a condominium can be challenging due to stringent guidelines on everything from the percentage of non-owner occupied units to the number of delinquent HOA fees due.

As a portfolio lender, we are able to offer mortgages on condos that might not otherwise qualify.

Get a $500 credit at closing!*

Finance your home loan with Spectrum Credit Union, and we’ll give you a credit at closing of $500 towards your closing costs. Just mention Promo Code 2247 and submit your application by June 30, 2019.

To learn more, give us a call at 510-251-6010, or stop by your local branch.
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*Receive a $500 credit towards closing costs when you apply for and close on a qualifying Spectrum real estate loan. Application must be received by June 30, 2019. Offer is good for new Spectrum first mortgages and refinances of external real estate loans. Please speak with a Mortgage Relationship Manager for further assistance. This offer cannot be combined with any other offer or promotion. Promo Code 2247. Chevron Federal Credit Union dba Spectrum Credit Union.