*A first-time homebuyer is defined as someone who has not owned and occupied their home in the last three years, and who has not lived in a home owned by a spouse in the past three years.

1 All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and property conditions.

2 To 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 use the Golden 1 Bill Pay Service from a Golden 1 deposit account, or make 5+ transactions per month to a Golden 1 deposit account in the most recent month prior to closing.

3 CalHFA first-time homebuyer programs are available. All homebuyers must meet CalHFA borrower and property eligibility requirements including income and credit requirements.

4 To be eligible for this loan you must meet credit requirements and have an income at or below 80% of the Annual Median Income (AMI). If all occupying borrowers have not owned a home in the past three years, at least one borrower on the home loan will need to complete a homebuyer education course. A first-time homebuyer is a person who has not have ownership interest in a residential property in the last three years.

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