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Home Mortgage

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 programs1
  • Competitive fixed and adjustable rates
  • Flexible loan terms
  • FHA, Conventional, and VA loans2
  • Conventional and jumbo loan financing
  • Condo and investment home options
(Opens in a new WindowFrom beginning to end, our Mortgage Loan Officers will get to know you as we handle the entire lending process. And once you've secured your home loan with Partners, we will be there for the next chapters of your story. Unlike other lenders, we continue to service your home loan for years to come. So, you know who to call, no matter where your journey leads.

Afraid to lock in before rates drop?

For a limited time, we've got your back if lower rates become available. Get a one-time, no-cost float-down of the locked-in interest rate, up to 0.500% APR, based on Partners mortgage rates. Simply contact us to take advantage of the rate adjustment.*
For mortgages in CA, FL, and HI, 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.
Help protect your biggest investment, inside and out. The TruStage™ Home Insurance Program helps you protect your home and everything in it with coverage designed to be affordable. It covers damage or loss due to fire, weather, theft, and it protects you from liability if an accident happens on your property.

TruStage gives Partners Members access to coverage underwritten by Liberty Mutual Insurance Company along with these popular benefits:

  • Potential savings for Partners Federal Credit Union Members
  • Discounts for multiple policies, burglary/fire alarms, etc.
  • 24/7 claims, even on holidays—many settled on the spot
  • Inflation protection—get today’s value for your belongings
  • Temporary housing assistance when you need it
Get your free quote today or call 855.483.2149.


TruStage® Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.
 
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Knowing the value of your home is a powerful tool. If you’re looking to buy or sell property, understanding its value will allow you to make smart decisions throughout the process. What if you’re not interested in buying or selling your home? Understanding how much equity you have in your home may help in many situations: insurance purposes, property tax, financial planning for the future, or other home loan options like Home Equity Lines Of Credit.

Based on calculations using local market data, our Find My Home’s Value tool will present you with your home’s estimated value and the information on comparable properties used to calculate your estimate. And if you’re interested in a more in-depth estimate, you can also request a free, no-obligation market valuation with an agent in our HomeAdvantage™ program.


If you’re looking to buy a home, you’re in luck, because Partners offers real estate program that’s more rewarding than ever. Powered by CU Realty Services, Partners HomeAdvantage™ lets you search MLS listings online, research neighborhoods, and find a real estate agent. And when you use that agent, you earn a rebate!

Simply call us first. Then work with one of our highly trained agents, who can put their years of real estate experience to work for you. Each agent goes through an in-depth profiling process before they are selected to participate in the program and they meet Partners Home Mortgage strict servicing guidelines.

Knowing the equity in your home or the mortgage or payment amount you can afford are powerful tools for making informed loan decisions. 
 
 







NMLS #422122
1Minimum 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.
 

2Partners 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.

3Limited 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. 

*APR = Annual Percentage Rate. Partners Rate Confidence Commitment must be requested by the member no less than 7 days prior to closing. Members can get a one-time, no-cost float-down of the locked-in interest rate, up to 0.500% APR based on Partners mortgage rates, subject to daily changes. Offer valid for purchase or refinance mortgages during your initial lock period of 60 days. VA and FHA loans are excluded from this offer. Any additional float-down of the interest rate after the first request must adhere to Partners' float-down policy, where a 0.125% APR reduction in the interest rate requires 0.250% APR discount points. The maximum allowable float-down is a 1.000% APR reduction. Offer subject to change at any time, limit one per member.

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Down Payment Savings

Build your savings to unlock competitive rates and lender credits on your home loan.3