First Time Home Buyer

First-Time Home Buyers

First-time home buyer loans and programs that may help get you into your first home.

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First-Time Home Buyers Loan Rates as Low As

APR Effective 5/7/2021*


30 Year Fixed


FHA 30 Year Fixed


5 Year ARM (5yr/5yr)

Adjusts every 5 years

*See important information about rates, fees and other costs

If you're a new to the world of home loans, we have the home loan experts and resources to help you on your first home buying journey.

BECU first-time homebuyers can receive up to $7,500 in down-payment assistance.

First-Time Home Buyer Features & Benefits

Home Buying Calculators

Video: How the Home Buying Process Works

Resources to Get You Started

Need more information? Come see us.

If you've done all your research but aren't ready to apply just yet, make an appointment, or give us a call at 800-233-2328. We're happy to sit down with you and answer any questions you may have.

*Offer applies to purchase and refinance transactions. Loans are subject to credit approval and other underwriting criteria, and not everybody will qualify. Certain restrictions apply. Home loan programs, terms and conditions are subject to change without notification. BECU reserves the right to terminate this offer at any time without notice.

**Home Rewards is a program provided by Prime Alliance Real Estate Services, LLC and is not affiliated with BECU. Certain restrictions apply. Offers subject to change without notice. Please contact your assigned Member Advocate for additional information regarding these buyer/seller benefits. Real Estate services provided by carefully selected local real estate agent.

***$250 coupon will only be offered for first time home buyers who have attended a Live Seminar, Two Part Webinar, or a First Time Home Buying Self-Paced Course. Limit one coupon per loan. Loans are subject to credit approval and other underwriting criteria. Certain restrictions apply. Home Loan program rates, terms and conditions subject to change without notice. This special offer may be used only by the primary borrower and will be credited toward closing costs upon the completion of your new BECU home loan. This offer cannot be combined with any other offer. This offer cannot be used in connection with any loan modification. Offer valid for new home loans that close within 120 days of course completion date. Good only for purchase of a first home. Home must be the primary residence of the borrower. Closing cost credit cannot exceed the amount of the closing costs charged.