Why rent the dream when you can own it?
For a limited time, secure a 5.65% interest rate with a 5.69% APR* on a 30-year fixed-rate mortgage loan.
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
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.
Partners Home Rewards - Earn 1% Back + Low Listing Fees
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 NOTICES: *APR = Annual Percentage Rate. Rates are subject to change without notice. The rate you may qualify for is based on a variety of factors. In addition to property type, credit history, and loan-to-value, other factors may include loan purpose, loan amount, occupancy, lien(s), income, and other financial obligations.
Interest Rate: The advertised 5.650% interest rate and 5.691% APR applies only to a 30-year fixed-rate purchase money mortgage for a single-family primary residence and is based on current market conditions. This Offer excludes loans for investment, vacation, second homes, cash outs and refinances. Other mortgage loan products may also be available at the advertised 5.650% interest rate, but APR will vary across products.
The advertised rate assumes the following: The purchase of a single-family primary residence in CA, CT, FL, HI, NJ, NY, and PA, a minimum credit score of 740+, individual qualifications and creditworthiness, credit history, and maximum 75% loan-to-value. Product offers, rates, terms, and other information provided herein are subject to change without notice. Mortgage interest rates are subject to change at any time and without notice based on market fluctuations. The rate and term offered to members may differ from the rates reflected herein based on the credit history, final loan-to-value, mortgage loan program, property type, and other factors associated with the loan application.
Example and for informational purposes only: The following is based on a 780+ Fico Score and a loan amount of $450,000 with an estimated property value of $600,000 at a 5.650% interest rate and an Annual Percentage Rate (APR) of 5.691%. Based on current market conditions, the monthly payment schedule would be 359 payments of $2,597.56 and 1 payment of $2,597.94. If an escrow account is required or requested, the actual monthly payment will increase to include amounts for real estate taxes and homeowner’s insurance premiums. Disclaimer: Certain restrictions and limitations apply. All loans are subject to credit approval. ®2025 Partners
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.
Down Payment Savings
Build your savings to unlock competitive rates and lender credits on your home loan.3