Mortgages
For most people, buying a home is the largest purchase they will ever make. We will help you find the right mortgage to meet your needs.
Mortgages Nationwide
No matter where you are or where you want to be. We are there to support you. Firefighters First Credit Union provides mortgages across the U.S. to firefighters and their families. Whether you are buying or refinancing, we have a home mortgage that’s right for you.
Home Buying and Selling Service
Save money when you buy or sell a home. With Firefighters First Home Buying and Selling Service, you can sell your home for a flat 1.5% fee and receive 20% commission rebate when you buy. You'll also receive outstanding service from a local real estate agent who will guide you every step of the way.
60-Day Rate* Lock
Get peace of mind with a 60-Day Rate Lock on all Firefighters First fixed-rate mortgages. We provide a 60-Day Rate Lock at no fee to our members, ensuring that your interest rate does not change during the home closing process.
Not sure which mortgage is right for you? We can help!
Our mortgage professionals have your financial well-being in mind. We will take good care of you - getting you the funds you need with a quick closing. You are not put through a cookie-cutter process.
- We have the flexibility to work with different property, employment and family situations
- We will help you select the best mortgage option to meet your needs
- Real Estate Loan Checklist
- Mortgage Calculator
I have been a member since 1975 and have done many home loans, helocs and a construction loan. Good rates, interest rebates and people to talk with if need be.
Kim I.
First-Time Home Buyers
We do have a mortgage to help you buy your first home with features that make it easier to get your financing.
Fixed Rate Mortgages
Consider this type of loan if you want consistent payments year after year, are planning to stay in your home for a long period of time or if you anticipate interest rates will rise.
Adjustable-Rate Mortgages (ARM)
Consider this type of loan if you want lower payments for the first few years of your mortgage, you desire greater cash flow options, you are planning to stay in your home for a short period of time, or if you are confident you can handle higher payments if the rate increases.
RateDrop
RateDrop allows you to lower your rate to the current market rate. In a matter of a few days, your rate and payment could be lowered. A simple one-page signed agreement is all that’s required.
Senior Equity Loans
Good news for seniors living in California. With our Senior Equity Access program, you can use the equity in your home to supplement your income. Use the funds for day-to-day living expenses, home repairs, or emergency cash.
Vacation Homes
We have affordable financing options to help you get the dream vacation home. And if you plan to live in it as your primary residence one day, you just sign an occupancy statement when financing your home.
Construction Loans
Go ahead – build your dream home. You can customize it to meet your exact needs, with your personal touches.
Land Loans
If you've found the perfect piece of land for your future home but aren't quite ready to begin construction, Land Loans, also known as Lot Loans, give you the opportunity to secure the land you want now without a timeline to build.
Have Questions? Fill out the form below:
Subject to credit approval.
NMLS ID #649058. Mortgages available in Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Tennessee, Texas, Utah and Washington.
For mortgages in all other states click here
* Offer valid on primary residence and second homes. Not valid on loans sold to Fannie Mae.
APR = Annual percentage Rate.
Representative Example: A $350,000 mortgage loan financed at 6.5% APR for 30 year fixed would result in 360 payments of $2212.24. Taxes and insurance premiums are not included in the payment and that the actual payment obligation may be greater.