Buy a Home with 0% Down Through Orange County’s Credit Union
Have good credit and house hunting?
Whether you're eyeing a starter condo or a million-dollar move-up, the 0% down program supports loan amounts up to $3,000,000 — with no income limits.
Big Dreams? Big Loan Limits. No Income Caps.
Orange County's Credit Union has all the right loans so you can buy your ideal home.
Qualified borrowers enjoy powerful benefits: no upfront fees, no points, no prepayment penalties, and competitive rates that make ownership more affordable.
Own Your Home with 0% Down — No Extra Costs Attached
This isn’t just for first-time buyers. If you're ready to own and meet the credit and timing requirements, our team is ready to help you make it happen.
First-Time Buyer or Not — You Could Qualify
Customer Reviews
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"Great Bank for business and personal accounts! We've been banking with OC credit union for almost 4 years and it's been nothing short of a great experience!"
Mary N..
Member Review - California
Our home loan specialists understand the California market. Whether it’s competitive bidding or sky-high prices, they’ll guide you every step of the way — with real advice, not guesswork.
Time matters in this market. Our 0% down program removes barriers so you can act quickly, confidently, and without draining your savings.
Move Fast. Buy Smart.
Local Experts. Real Answers.
No Down Payment? No Problem.
In a state where cash offers rule, OCCU gives you an edge. Skip the large upfront cost and still get the keys — with 0% down and powerful lending support behind you.
11,000 people are buying homes every day.
Will you be one of them?
You're Closer to a New Home Than You Realize
Your home journey starts now. You just have to make the call.
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Buy a Home with 0% Down Through Orange County’s Credit Union
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Your credit doesn't have to be perfect to buy a home
Take control of your home buying journey by signing up with Home Lending Pal and Orange County's Credit Union.
NMLS # 403462