facebook logo

First Time Buyer

100% Financing and No Down Payment

Just when the home buying landscape seems too hot to handle, O Bee brings you ice-cold relief. We are offering qualified home buyers 100% home loan financing with no down payment. There is no reason to put off your dream of home ownership anymore.
Our 100% Home Loan Program is perfect for first-time home buyers and an ideal opportunity for anyone looking to purchase a home. Qualifying is easier than you might think. Unlike traditional mortgages, no down payment or upfront fees are required.* O Bee’s team of talented mortgage loan professionals will guide you through the process, step-by-step and answer any questions you might have.
Here’s how it works: You will have two mortgages.
  • The first covers 80% of the home value.
  • The second covers the remaining 20% of the home value and acts as the down payment.
  • No private mortgage insurance is required.
  • Taxes and insurance must be paid separately and are the responsibility of the borrower.
  • The mortgage stays with O Bee. We do all the servicing and underwriting, so closing time is much faster than usual (about 45 days).
  • Closing costs can be paid by seller, lender, or with monetary gift funds.*
No Down Payment? No Problem.
We understand that life throws curveballs that may set you off course from your financial dreams. O Bee’s 100% Home Loan Program is an opportunity to get on track, placing your hard-earned money toward a solid investment immediately.
Purchasing a home is an investment, and good investments often come from good timing. While interest rates remain historically low, there is no better time to become a homeowner. Our 100% Home Loan Program with no down payment is the perfect solution for new homeowners.
If you have always wanted a home of your own, now is the time. Contact one of our mortgage loan professionals today to take the first step in making your dream come true.


O Bee Mobile

O Bee Mobile


O Bee Credit Union Mobile Banking allows you to check balances, view transaction history, transfer funds, pay loans, deposit checks, control your debit and credit cards and pay bills on the go!

Apple Store App Google Play App