Limited time only: Save up to $2,500 on closing costs*
Big savings give you a lot of options. It’s a great time to make a move with Golden 1 Home Loans and save. Our limited-time closing cost credit frees up cash that you’d otherwise pay at closing. Add those savings to your down payment and potentially get more home for entertaining, family, and friends.
Use the money you save to fix up your home the way you want. Furnish a home gym or a comfy nook for unwinding and relaxing. Soon you’ll be making new memories in your home.
Applications submitted between January 2, 2025 and March 31, 2025 for purchase home loans are eligible for this limited-time closing cost special. Get moving and save up to $2,500 on your closing costs today.
Apply now to get started online. Or speak to an experienced Golden 1 Home Loan Advisor at 1-800-917-9000, Monday through Friday, 7 a.m. to 7 p.m. and Saturday, 9 a.m. to 5 p.m. Pacific Time.
All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and property conditions.
*Restrictions apply. Offer available for a limited time, for first mortgage purchase loan applications submitted on or after 01/02/2025 and no later than 03/31/2025. Eligible applications must include a physical property address and eligible loans may not include any other promotional offer or non-standard terms or pricing. The closing costs credit is not transferable. The credit at closing may be applied to standard loan costs that are charged at closing and may include customary third-party closing costs. The credit at closing cannot exceed the closing costs. Rates subject to increase after consummation.
Start your happily-ever-after
Choosing the best time to buy a home is one of the biggest decisions your family will make. We understand how important this is, and we're offering a program that can help pave your way.
Our Buy Now, Save Later option helps you move in with confidence.
Enjoy your new home and start building equity. If rates come down and you want to refinance within the first year, we’ll make it easy with a closing cost credit of up to $1,500* on your refi loan.
Speak to an experienced Golden 1 Home Loan Advisor to get started. Call 1-800-917-9000, Monday through Friday, 7 a.m. to 7 p.m. and Saturday, 9 a.m. to 5 p.m. Pacific Time.
All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
*Restrictions apply. If you apply for a purchase loan for a first mortgage between September 16, 2024 and March 31, 2025, you will be eligible to receive a non-recurring closing cost credit of up to $1,500 when you refinance your loan with us at a later date. To be eligible for the credit, you must apply to refinance your original first mortgage purchase loan no sooner than four months after your initial loan closing date and no later than 12 months after the one-year anniversary of your initial loan closing date. The credit will not be given as cash back and may not exceed the actual closing costs of your refinance loan. Eligible applications must include a physical property address. Eligible loans may not include any other promotional offer or non-standard terms or pricing. The closing costs credit is not transferable.
The promotional credit for the refinance may not be combined with the Golden 1 Employee Home Loan Discount Program or any other programs that have a feature that provides a closing cost credit.
Today's Featured Rates
Adjustable Rate Mortgage (ARM)
ARMs are fixed rate for an initial period and then adjust after that. A great choice if you plan on selling or refinancing your home in a few years.
- Low down payment options - with as little as 3% down
- Rate is typically lower than a fixed rate mortgage
- 5 year, 7 year, and 10 year term options available
Fixed Rate Loan
Never worry about rising interest rates with a fixed rate mortgage. Plus, plan your budget with a monthly payment that stays the same throughout the term of your loan.
- Low down payment options - with as little as 3% down
- Competitive rates
- Various terms available
Jumbo Loan
Let us help make your dreams come true with a jumbo loan! We have options to fit your unique needs.
- Up to $4 million
- Fixed and adjustable rates
- Owner-occupied purchases and second-home purchases
Calculators
Get the Home Buyer Advantage!
You can potentially save thousands of dollars on closing costs with our exclusive Buyer Advantage Program. When you purchase or list your home through a Golden 1 Credit Union Preferred Real Estate Agent, you'll receive up to 25% of your real estate agent's commission credited towards your closing costs.
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