Make your goals of homeownership a reality.

Find out if you qualify for a mortgage through our first-time home buyer program.

Ventura County Credit Union is offering a special mortgage program tailored to first-time and low-to-moderate income buyers in CA.* 

Home Loan Benefits include:

  • Up to 100% financing of the home purchase price
  • No down payment required
  • ​Lower qualifying credit score

Home Loan Eligibility requirements:

  • First-time homebuyers or borrowers who have not owned a home in the last 36-months
  • Single family houses, townhouses, condos, and manufactured homes**
  • Completion of homeowner education required prior to funding

Contact a Home Loan Specialist to get started or visit your nearest branch location.

VCCU is a full-service, California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join



All loans subject to approval.

*Borrowers with household income greater than 125% of the AMI (Area Median Income), or $144,250 for Ventura County are not eligible.

**​Manufactured homes are limited to 95% financing and mortgage insurance is required.