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Home Loans for First Time Home Buyers


Buying your first home is a very exciting moment!  One you’ll treasure forever, along with other major life milestones like your first car, your first paycheck…

Owning a home can be a significant first step in attaining financial independence.  We can help you eliminate rent payments, build equity, and feel the personal satisfaction of calling a home your own. 

Sonoma Federal Credit Union specializes in First Time Home Buyers and has a wide variety of loan programs available.  And, no one works harder than Sonoma Federal Credit Union to assist you in achieving the American dream of home ownership.

Listed below are our low down payment programs available:

  • 5.0% down payment with “lender” paid private mortgage insurance (PMI)
  • 3.5% down payment Federal Housing Administration (FHA)
  • 3.0% down payment for HomePath properties (no appraisal & no PMI)
  • 10%  down payment with “borrower” paid private mortgage insurance (PMI)
  • 20% down payment without private mortgage insurance

All of the above loans have fixed rates and are for 30 years terms.

  • Periodically, we have grant down payment loans or other subsidized financing available.  These loans have income restrictions based on the county where you buy the home.  These loans typically require a zero to 1/2% down payment.

Buying your first home is an enormous investment, both financially and emotionally.  We can make your first home buying experience simple & easy—we are local and are ready to meet with you face to face to guide you through to your first dream home.

*Ask us about our list of Realtors to start your search for your new home.

Contact our Mortgage Center for rates, fees & terms,
at 707-527-6216 or email:

Apply for your home loan now.

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Business Hours: (707) 527-6216
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This credit union is federally insured by the
National Credit Union Administration.
NCUA Equal Housing Lender
  Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 707-527-6216 for assistance. Products and services available on this website are available at our office located at 1194 Montgomery Drive, Santa Rosa, CA 95405.