Home Loans Made Simple – Because You Deserve a Stress-Free Homebuying Experience

Looking for the perfect mortgage in Modesto, CA? Whether purchasing your first home, upgrading to a larger space, refinancing for better terms, or considering an FHA loan, Modesto’s First FCU has the mortgage solution to help you achieve homeownership.

As a local credit union, we exist to serve our members and the Modesto community. That means lower rates, fewer fees, and personalized services tailored to your needs—not a one-size-fits-all approach. We take the time to understand your unique financial situation and guide you toward the mortgage solution that aligns with your goals—both now and in the future.

Let’s get you home—on your terms, with a team that truly cares.

The Right Mortgage for You with Modesto’s First FCU

First-Time Homebuyer Loans – Start Your Journey with Confidence

Buying your first home is one of the most exciting milestones in life, but we get it—it can also feel like navigating uncharted territory. Our First-Time Homebuyer Loan offers:

  • Low down payment options help you step into homeownership without draining your savings.

  • Step-by-step guidance from mortgage professionals who provide personalized support to ensure you feel confident in your decisions.

  • Competitive rates to help keep your budget in check.

We understand that your first home isn’t just a place; it’s where memories will be made. We’re here to make your first home purchase as easy as possible.

Move-Up Buyers – When It’s Time for Your Next Chapter

Already a homeowner but ready for an upgrade? Whether you're looking for a larger home to accommodate a growing family or a more luxurious space to enjoy for years to come, our Move-Up Buyer Mortgages are here to simplify the process with:

  • Options to use the equity from your current home toward your next purchase, giving you more financial flexibility.

  • Flexible mortgage solutions that align with your evolving needs and lifestyle.

  • Whether you prefer a fixed-rate loan's stability or an adjustable-rate option's flexibility, choose the loan term that fits your financial goals and timeline.

Let Modesto’s First FCU make upgrading your home effortless and rewarding.

Mortgage Refinancing – A Smarter Loan for a Better Tomorrow

Is your current mortgage feeling like a burden? Refinancing your mortgage can help you tap into your home’s equity, reduce your monthly payments, or simply put you in a stronger financial position moving forward. With Modesto’s First FCU, refinancing is easier than ever, with benefits like:

  • A fast, streamlined process to ensure your refinancing experience is smooth so you can return to living without unnecessary delays.

  • Options to shorten your loan term or rate to save thousands over the life of your loan potentially.

  • Our experts will conduct a thorough mortgage check-up to determine if refinancing is the right move for your specific situation.

Refinancing with us allows you to optimize your mortgage and take full advantage of your home’s value, paving the way for a stronger financial future.

FHA Loans – Making Homeownership More Accessible

Do you have a lower credit score or a smaller down payment? Our FHA Loans could be your ticket to homeownership. These government-backed loans are designed to make it easier for individuals with less-than-perfect credit to buy a home, with benefits like:

  • Easier qualifications compared to conventional loans, making them an ideal option for those with lower credit.

  • Lower down payment options so you can purchase your home with a down payment as low as 3.5%, allowing you to move in sooner.

  • Flexible terms, customized to fit your budget and financial goals, ensuring that you’re set up for success.

Modesto’s First FCU will be with you at every stage of the FHA loan process, ensuring that you move into your new home feeling informed and confident.

Why Choose Modesto’s First FCU?

We’re More Than a Lender—We’re Part of Your Community

At Modesto’s First FCU, we believe in people over profits. As a member-owned credit union, our focus is on YOU, our members, and your financial success—not shareholders. Here’s what makes us different:

  • Better Rates & Lower Fees – We believe your hard-earned money should work for you. That’s why we offer competitive rates and low fees, so you can keep more of what you earn.

  • Personalized Service – We’re not a faceless corporation. We know Modesto inside and out, and we take the time to get to know you personally. Whether you need a loan or guidance, we’re always here for you!

  • Member-Focused Decisions – We make every decision with your best interest at heart. When you come to us for a loan, we don’t just look at your credit score—we consider your unique financial situation and work with you to find the best solution.

We’re not just here to lend money—we’re here to support your financial journey, helping you achieve your goals and make your dream of homeownership a reality with confidence.

Let’s Get You Home – Take the Next Step Today!

Ready to buy, refinance, or explore your options? Let’s chat and find the best mortgage solution for you.