Buying a Home

Evelyn R., Member Since 2013

Achieve your Homeownership Goals with Better Ways to Plan, Save and Borrow

At Wright-Patt Credit Union®, we make it easier to buy a home. We can show you how to prepare for your purchase, grow your savings and find the mortgage that’s right for you. From down payment to move-in day, our friendly, knowledgeable Mortgage Loan Originators will help you every step of the way.

  • Planning Your Purchase

    Your successful home-buying experience starts with a great plan:

  • Saving for Your Home

    The dream of homeownership relies on knowing the best ways to save:

  • Purchasing your Home

    Make home buying a great experience by understanding the steps:

Planning Your Purchase

Your successful home-buying experience starts with a great plan:
  • Determine how much house you can afford
  • Develop a monthly budget that works for you
  • Organize your financial information and documents
  • Understand how your credit score impacts your buying power
    • To get the lowest rate and most options, a credit score of 740 or higher is recommended
    • The minimum credit score to buy a home using a conventional loan is 620
    • A credit score of 620 is needed to qualify for an FHA loan. However, WPCU may go as low as 600 to qualified buyers.

  • Use these tips to increase your credit score
    • Check your credit report for mistakes or inaccuracies
    • Make payments on time
    • Pay down your debt
    • Limit your credit applications

Our friendly, expert Mortgage Loan Originators can guide you through the entire purchasing process and help you build a solid home-buying plan. Contact us or visit a convenient Member Center to get started.

Saving for Your Home

The dream of homeownership relies on knowing the best ways to save:
  • Grow your savings with the best rates
  • Automate deposits to save for a down payment and closing costs
  • Make sure you account for all home-buying costs. For example, in addition to down payment, closing costs and monthly mortgage payments, you should also build an emergency fund to cover home maintenance and repairs.
  • Save for your down payment and other costs of homeownership with savings options like Club Accounts, Share Certificates, and Money Market Accounts.

At Wright-Patt Credit Union, our friendly, knowledgeable mortgage experts are always here to answer your questions about the smartest ways to save and account for all related home-buying costs.  Contact us or visit a convenient Member Center and start your savings plan today.

Purchasing your Home

Make home buying a great experience by understanding the steps:
  • Get pre-qualified for a mortgage
  • Understand your mortgage options, including fixed rate, ARMs, FHA and VA loans, constructions or lot loans
  • Find the mortgage that’s right for you
  • Access your mortgage loan online and make automatic payments

Discover smarter ways to finance your home with a mortgage loan from Wright-Patt Credit Union. Our mortgage loans feature:

  • Low down payment options
  • Competitive rates
  • Fast turnaround time
  • Reasonable closing costs

Learn more about your options online or visit one of our convenient Member Centers and make an appointment to talk to our Mortgage Experts.

Learn a Lot with WPCU’s Free Financial Learning Resources


  • Financial Learning Center

    There is a wealth of free financial learning seminars, webinars, online resources and more at the WPCU Financial Learning Center.

  • Brochures/Documents

    Learn more about the products, services and resources available from Wright-Patt Credit Union that can help you on your Financial Flexibility and Freedom® journey.

  • Budget Worksheets

    Start a budget and create a monthly spending plan with our easy-to-use financial worksheets.

  • Financial Calculators

    Use our financial calculators to estimate monthly payments, refinance needs, estimated savings and more.

  • Home-Ownership Learning Modules

    On-demand, interactive learning modules that are ready when you are. Learn a lot about the homeowning process from Buying a Home to Refinancing Your Mortgage with our helpful Mortgage Learning Modules.

  • Credit Score

    One of the best ways to feel good about your finances is to get a credit report and strengthen your credit score. Visit AnnualCreditReport.com for an annual free copy of your credit report. Learn more about how your credit score works here.