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First Time Buyer

First Time Buyer

Take the Steps to Home Ownership


If you’re a first time home buyer, make time to visit with an O Bee Home Loan Professional. Our mortgage professionals can provide insight, information and real guidance on the process of purchasing your first home; from outlining one-time costs and ongoing costs, to explaining ways to improve your credit rating and preparing for the actual loan application. Our mortgage department offers excellent rates and very low closing costs. We have some unique options that allow for a varied amount of down payment. We have several No Down Payment loans depending on your qualifications. We also have down payments with as little down as 3, 3.5 or 5 percent down so you can maximize your savings with a lower down payment that will leave more in your pocket for purchases to make your new house a home. We can help along the way so you’ll know all right steps to take as you start the home loan process.

Ask O Bee Home Loan Professionals About:

  • Step by step help with the mortgage process
  • One-time costs vs. ongoing costs
  • USDA, VA and FHA Financing
  • The importance of your credit rating
  • How to improve your credit rating
  • Preparing for the Loan Application
  • Low rates and closing costs
  • Qualification for a "No Down Payment" loan
  • Maximizing your savings with a purchase or refinance with as little down as 3%, 3.5% or 5%



*Annual Percentage Rate Effective 10/22/2021

2.643% APR*


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Thanking Our Military

As a military spouse myself, I have relocated and have had to switch financial institutions so many times it makes my head spin. Just the thought of having to re-setup all of my automatic payments and utilities gave me anxiety. READ MORE

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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!

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