two women and three dogs sitting on the stoop of a house
First-Time Homebuyer

Your house, your home

Get Pre-Approved

How it works

  • Get preapproved

    Preapproval determines what you can afford. It also shows sellers that you’re a serious buyer, positioning you to negotiate effectively.

  • Find your home

    Here’s the fun part. Make a list of everything you want and need in a home. Prioritize your list. Then go shopping to find the one.

  • Apply online

    Once you’ve made an offer, use our online mortgage form to complete your application and get the process rolling.

  • Work with us

    Buying a home is a process, and we’re here to help. Our knowledgeable staff will keep you up to date through each step.

  • Close and move in!

    So you’ve signed the papers and gotten the keys. Congratulations! You made it. Now it’s time to turn that new house into your home.

Lending looks different here

We’re committed to servicing your loan in-house for its whole lifetime — that’s our local lending promise. More importantly, at our credit union, we steward our resources toward helping our communities thrive in the long run, and that includes you.

Apply for a mortgage

Man helps his young son make cookies in the kitchen of their home.

We go through everything with our members to help them get to this cool thing at the end, which is owning a home. When you’re able to help someone achieve the American Dream and provide some peace of mind in the process … it’s the most powerful thing I’ve ever seen.

— Justin Sanders, Senior VP of Mortgage Banking
Justin Sanders Chief Lending officer

Guidance at every step

Homebuyer Education

Visit our Homeownership Center to find useful information on the entire mortgage process.

Learn about homebuying

Homebuyer Programs

First-time buyers, in-house loans, veterans’ loans, down payment assistance — talk to us about your needs.

Send us a message

Financial Coach

Need help improving your credit score or saving for your new home? Our financial counselor can help.

Learn about counseling

Building a home?

Great — let’s get your construction loan started. At Clearwater Credit Union, we offer competitive rates and terms to help you turn your plans into reality.

Apply for a construction loan

Man and woman stand in their home that is under construction and discuss next steps.

Get started

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Get pre-approved
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Give Us a Call

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