Your First Home, Within Reach

Take your first step toward homeownership with more ways to save.

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Your first home is more than a place to call your own— it’s where you build your future. Put homeownership within reach and open the door to possibility with our First-Time Homebuyer Loan.¹

Start with a lower rate.
Get an interest rate 1% below EdiFi's 30-year fixed mortgage rate.

Bring less to closing.
Save up to $1,000 on closing costs and take advantage of a lower initial down payment.

More buyers can qualify.
A minimum credit score of 680 makes homeownership more accessible.

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¹Available to all eligible borrowers on a first lien purchase for a first-time homebuyer of a primary residence, using a 30-year fixed rate conventional portfolio loan product with EdiFi Credit Union. First-time buyers are considered those who have not owned a home in the past three years. Eligible on 1-unit properties (single family residence or PUD) and townhouses only. Minimum 680 credit score required. Example scenario, calculated 10/16/2026, assumes excellent borrower credit history and is based on a $388,000 loan amount with a 3% cash down payment from the borrower and 97% Conventional financing on a 30-year fixed-rate term with an interest rate of 6.5% and an Annual Percentage Rate (APR) of 6.587% for 30 years (360 monthly principal & interest payments of $2,452.42; excluding taxes, insurance, and private mortgage insurance (PMI); the actual payment obligation will be higher). This is not a commitment to lend. All lending products are subject to credit and property approval. Additional restrictions may apply. EdiFi Federal Credit Union: 200 Campbell Drive, Suite 201 Box 50, Willingboro, NJ 08046 | Phone: (800) 225.1859 x3507 | NMLS ID: 541573. For registration information, please visit www.nmlsconsumeraccess.org. Equal Housing Opportunity.

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