Imagine if your someday became today.
For a limited time, secure a 5.99% interest rate with a 6.06% APR* on a 30-year fixed-rate mortgage loan.
Buying or selling a home? Work with top-tier agents and save thousands on your next move. Earn 1% of your home’s purchase price back at closing¹ and enjoy a low 1.99% listing fee² with Partners Home Rewards powered by HomeAdvantage®.
Dream home, meet dream loan.
Purchase or refinance your happiest place on earth with Partners you know and trust. We offer a full range of loan options to help you move in or restore your home. Partners home loans offer:
- Low or no down payment programs3
- Competitive fixed and adjustable rates
- Conventional and jumbo loan financing
- Condo and investment home options
- FHA and VA loans4
For mortgages in CA, CT, FL, HI, NJ, NY, or PA, you may start your online application below. For all other states and FHA & VA options, schedule an appointment or contact us directly to get started.
“We had always imagined that the home-buying process would be scary and daunting, but you made everything easy.” Sara S., Partners Member since 2024.
Exclusive Savings When Buying or Selling
Unlock exclusive savings with Partners Home Rewards powered by HomeAdvantage®. Earn 1% of your home’s purchase price back at closing¹ and enjoy a low 1.99% listing fee² when selling. Work with top-tier agents, explore MLS listings, and save thousands on your next move.
1 To receive 1% of purchase price back at closing, Members must purchase a home in CA, CT, FL, HI, NJ, NY, or PA using a Partners Home Rewards real estate agent and finance the mortgage through Partners Federal Credit Union. The 1% credit will be applied toward closing costs on the Credit Settlement Statement and will not be issued as cash to the borrower.
2 To qualify for the 1.99% listing fee, Members must use a Partners Home Rewards real estate agent when selling their home in the United States.
Mortgage Calculators
Knowing the equity in your home or the mortgage or payment amount you can afford are powerful tools for making informed loan decisions.
NMLS #442122mitations apply. All loans are subject to credit approval
IMPORTANT NOTICE: APR = Annual Percentage Rate. Rates are subject to change without notice. Your qualified rate depends on factors such as property type, credit history, loan-to-value, loan purpose, loan amount, occupancy, liens, income, and other financial obligations.
Interest Rate: The advertised 5.990% interest rate (6.058% APR) applies to a 30-year fixed-rate purchase mortgage for a single-family primary residence in CA, CT, FL, HI, NJ, NY, or PA; a minimum 740 credit score; and a maximum 75% loan-to-value, based on current market conditions. This offer excludes investment properties. While the 5.990% rate may apply to other products such as second homes, vacation homes, cash-out loans, and refinances, APRs will vary. Final rates and terms may vary based on credit profile, loan program, property type, and other application factors and are subject to change without notice.
Example (for informational purposes only): Based on a 780+ FICO score, a $450,000 loan amount, and a $600,000 property value at 5.990% interest (6.058% APR), the monthly principal and interest payment would be $2,695.08 over 360 payments. If an escrow account is required or elected, the total monthly payment will be higher to include taxes and insurance.
Additional Disclosures: Restrictions may apply. All loans are subject to credit approval. ®2026 Partners
1 To receive 1% of purchase price back at closing, Members must purchase a home in CA, CT, FL, HI, NJ, NY, or PA using a Partners Home Rewards real estate agent and finance the mortgage through Partners Federal Credit Union. The 1% credit will be applied toward closing costs on the Credit Settlement Statement and will not be issued as cash to the borrower.
2 To qualify for the 1.99% listing fee, Members must use a Partners Home Rewards real estate agent when selling their home in the United States.
3 Minimum credit score of 700 is required. Maximum income and loan limits apply. Fixed-rate mortgages (no cash out refinances), primary residences only. Certain property types are ineligible. Other restrictions apply. For down payments less than 20%, Mortgage Insurance (MI) may be required, and MI charges may apply.
4 Partners utilizes the TPO “third party originator” Union Home Mortgage to facilitate the underwriting and closing of VA home loans. Loan requirements and product features are subject to restrictions. All loans are subject to credit approval. Other restrictions may apply. VA loan funding fee may apply. A certificate of eligibility is required. The VA does not limit how may VA home loans you can have during your lifetime.
5 Limited time offer. Must be open for a minimum of (6) six consecutive months and have a minimum average daily balance of $2,500 to earn up to $1,500 in lender credits on home purchases only, excluding all home equity loans. Tiered dividend rate and lender credits are based on the average daily balance of the Dream Home Money Market Savings Account. There is no expiration date on the lender credits earned. Only (1) one Dream Home Money Market Savings Account may be opened per qualified home mortgage. Account will close if balance is $0 or below for a period of (60) sixty days or more.
Down Payment Savings
Build your savings to unlock competitive rates and lender credits on your home loan.5