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.


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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.


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To see if these programs may be right for you, please give us a call at 888-750-4124 or stop by your local branch.


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