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.