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The Right Home Loan for You


Whether you're buying your first home, upgrading to your dream home, relocating, or purchasing an investment property, Golden 1 Home Loans™ has a loan to help you achieve your goal. We offer competitive interest rates, fixed and adjustable-rate loans, low down payment options, and jumbo loans for purchasing higher value properties. Get expert advice and personalized guidance from our Home Loan Advisors – right here in the Golden state.

ON MY WAY HOMEOWNERSHIP PROGRAM FOR FIRST-TIME HOMEBUYERS

Helping members make the move from renters to homeowners can help build wealth and create strong, vibrant communities. The On My Way Homeownership Program is a suite of homebuyer assistance programs designed to help you get On Your Way to owning your first home.

ON MY WAY CLOSING COST CREDIT

We offer a closing cost credit for eligible first-time homebuyers.* This closing cost credit is available to Golden 1 members with low-to-moderate incomes and provides a credit of either $2,500 or $5,0001 to help lower the upfront costs of buying a home.

Your closing cost credit may be combined with other state and federal homebuyer assistance programs, such as Fannie Mae Community Seconds and the Workforce Initiative Subsidy for Homeownership (WISH) grant, to make homebuying more affordable. To see if you qualify, contact a Golden 1 Home Loan Advisor.

WISH MATCHING HOMEOWNERSHIP GRANT

We believe everyone should be able to pursue the dream of homeownership and understand that one of the biggest hurdles is coming up with the upfront costs. That's why we offer the Workforce Initiative Subsidy for Homeownership (WISH) grant with our On My Way Closing Cost Credit.

WISH provides down payment assistance in the form of a 4-to-1 matching grant up to $29,172.2 For example, to receive the maximum $29,172 grant, you would contribute $7,293 or one fourth of the grant amount. To be eligible, you must be a first-time homebuyer* and meet specific income requirements. For more details and to see if you qualify, contact your local Golden 1 Home Loan Advisor.

For more helpful tips about homebuying and other financial topics, visit our Financial Wellness Center.

*To be considered a first-time buyer means you did not have ownership interest in a residential property in the last three years.

1To be eligible for a $2,500 closing cost credit, you must be a Golden 1 member for at least 90 days at the time of final loan approval and have an income at or below 100% of the Area Median Income (AMI) or 120% in high-cost areas. To qualify for the maximum closing cost credit of $5,000, you must be a Golden 1 member for at least 90 days at the time of final loan approval and have an income at or below 100% of the AMI or 120% in high-cost areas, plus have direct deposit or Bill Pay, or make 5+ transactions per month to a Golden 1 deposit account in the most recent month prior to closing.

2Restricted to households at or below 80% of Area Median Income (AMI). Grants may match a buyer's down payment contribution 4-to-1 for a maximum grant of $29,172. For example: A $29,172 grant would require a $7,293 contribution from the homebuyer. Participants must be first-time homebuyers and complete a Housing and Urban Development approved first-time homebuyer counseling program. First-time buyer means you did not have ownership interest in a residential property in the last three years. Funds are available annually on a first-come, first served basis. Maximum grant stated is for 2023 and is subject to change annually. Additional restrictions may apply.

Golden 1 Credit Union is not part of any government agency, nor do we represent or have endorsement from HUD, FHA, the U.S. Government, or any federal, state, or local government agency.

Adjustable Rate Mortgage (ARM)

ARMs are fixed rate for an initial period and then adjust after that. A great choice if you plan on selling or refinancing your home in a few years.

  • Low down payment options - with as little as 3% down
  • Rate is typically lower than a fixed rate mortgage
  • 5 year, 7 year, and 10 year term options available

Fixed Rate Loan    


Never worry about rising interest rates with a fixed rate mortgage. Plus, plan your budget with a monthly payment that stays the same throughout the term of your loan. 

  • Low down payment options - with as little as 3% down
  • Competitive rates
  • Various terms available

Jumbo Loan


Let us help make your dreams come true with a jumbo loan! We have options to fit your unique needs. 

  • Up to $4 million
  • Fixed and adjustable rates
  • Owner-occupied purchases and second-home purchases

Get started with a home loan advisor today

Home Loan Advisor Directory

Get the Home Buyer Advantage!


You can potentially save thousands of dollars on closing costs with our exclusive Buyer Advantage Program. When you purchase or list your home through a Golden 1 Credit Union Preferred Real Estate Agent, you'll receive up to 25% of your real estate agent's commission credited towards your closing costs.

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