We try hard to get our first-time buyers into their dream home sooner, which is why we're offering a must-see Northern California Home Buyers Webinar— Thursday, May30 at 11:00 AM PST.
It’s online, so you can view from the comfort of your desk — or couch!
Register Now
When it’s time to think about a new home, a refi, or even a vacation property, we’re a smart place to start. We’re part of the Farmers family and owned by members, so our focus is on getting you best possible deal and great terms. Better yet, we own our own mortgage company and control the process start to finish to ensure you get the best rates and service.
Get pre-approved fast. Fill out our Home Loan Inquiry form and a licensed Loan Officer will contact you. Apply for a loan.
We know that buying a new home is really exciting, but it can also be stressful. That’s why our job is to take on all the heavy lifting for you, and it can take the stress out of the process! Our dedicated home loan department Community Mortgage Funding (CMF) will help you through every step of the home buying process. Our goal is to get you in the home you want with loan terms/down-payments that work for you!
Here’s how to start:
- Apply for a loan online or by phone by calling 877.915.3030, option 4
- Find a licensed real estate agent
- Search for a home using current MLS listings
NEW! With our CMF Home Rewards program, you can get a BIG rebate when you buy OR sell your home. Learn more: https://cmfhomerewards.com/figfcu/
First Mortgage Loans are available in all states (except AK, AL, HI, and LA).
- Loans up to $3 million
- Fixed and adjustable rate loans with terms up to 30 years
- Low or zero down payment options available
- We can even help you with vacation properties
And, great news for California residents! We’ve added even more zero/low down payment options to make your money go further, with our new CalHFA program for first-time buyers:
- 30-year fixed
- Zero down payment options available
- Closing cost assistance
- School Teacher and Employee Assistance (STEAP) program option
Get pre-approved to start the process. Fill out our Home Loan Inquiry form and a licensed Loan Officer will contact you. Apply for a loan
Getting into your new home is an exciting time but can also be a very stressful one. That’s why our job is to take on all the heavy lifting for you - and take the stress out of the process! Community Mortgage Funding (CMF) is our dedicated home loan department that will help you through every step of the home buying process and help you find a great home on the right terms, choosing from a wide variety of loan options and flexible terms/down-payments. You can:
- Apply for a loan online or by phone by calling 877.915.3030, option 4
- Find a licensed real estate agent
- Search for a home using current MLS listings
Plus, with our CMF Home Rewards program, you can get a BIG rebate when you buy OR sell your home.
Learn more
First Mortgage Loans are available in all states (except AK, AL, HI, and LA)
- Loans up to $3 million
- Fixed and adjustable rate loans with terms up to 30 years
- Low or zero down payment options available
- We can even help you with vacation properties
Loan Options
Conventional financing is available nationwide. FHA, VA, and Reverse Mortgage financing is available in the following states: AZ, CA, CO, KS, MI, OH, OK, OR, NV, TX, WA
| 100% Financing |
97% Financing |
96.5% Financing |
95% Financing |
80% Financing |
Other Financing Options |
|---|---|---|---|---|---|
|
VA Loans—for Veterans, usually no down payment needed USDA Loans—for rural or suburban dwellings |
Conventional Loans—lower down payment for first-time homebuyers |
FHA Loans—lower down payment for first-time homebuyers |
High Balance Loans—higher borrowing limits vs. conventional |
Up to $3 Million Dollar Loans; typically no mortgage insurance required |
Cash Out Refinance
Reverse Mortgage Loans—no required monthly mortgage payments |
Call our dedicated home loan experts for more information and to see which loan is the best fit for you.
