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Home Mortgage Loans

An Experienced, Community-Focused Lender

Self-Help Credit Union creates stronger communities through affordable home loans. We specialize in working with first-time home-buyers, rural residents, immigrant families and borrowers with imperfect credit.  

Fair and Affordable Home Loans

  • Fair and affordable interest rates
  • Flexible eligibility criteria
  • Low and no down payment options
  • No junk fees or private mortgage insurance
  • Borrower/lender relationship maintained over the life of your loan 

For a limited time, down payment assistance is available!

Ready to explore our loan options? Contact your local branch today to get started.

home mortgage

Loan Options

Our experienced loan officers will work with you to find the right loan for you. Our array of innovative mortgage products includes:

"Equity Boost" Loans

For borrowers with modest incomes.*
  • 0% down payment
  • Closing costs can be financed into the loan.
  • Can be combined with down payment assistance if available. Must contribute at least 1% of purchase price.
  • Lower interest rate and monthly payment
  • $2,000 towards a rainy day fund
  • No private mortgage insurance (PMI)
  • Minimum credit score 580
  • Income and purchase price limits apply.*

* Income limits: 80% of area median income (AMI), OR 120% of AMI if borrower is a first-generation home buyer.

"Self-Help 100" Loans

No income or purchase price limits.
  • 0% down payment
  • 1 - 4% borrower contribution towards closing costs 
  • No PMI
  • Minimum credit score 620
  • No income or purchase price limits.

Standard Portfolio Loans

Contribute more upfront to lower your monthly payments.
  • Down payment as low as 3%
  • No PMI
  • Minimum credit score 580
  • Can be combined with down payment assistance if available.
  • No income or purchase price limits.

All our loans also feature origination fees of only 1%, no prepayment penalties; and flexible, responsible underwriting. 


How to Get Started

Contact your local branch to talk with one of our experienced loan officers to find the right loan for you.


Not ready to buy quite yet?

We also offer credit building programs and free financial coaching resources for members. 

From initial inquiries to closing and beyond, we're here for every step of your homeownership journey.


Make a Mortgage Payment

Have a mortgage with us? We offer multiple ways to make a payment, including an online payment option. Learn more.