Buying my home was unbelievably smooth! I was preapproved through OCCU, found the perfect place, and signed everything right from my phone. Within days, I had the keys in hand. It was fast, stress-free, and honestly, kind of exciting!

-Ronnie

Home Affordability

Our platform simulates the underwriting process so you have a clear understanding of your current buying power.

^{Take control of your home buying journey by signing up with Orange County's Credit Union.}

Buy Your California Home with 0% Down—Fast, Easy, and Affordable

Shop and Compare

Shop for homes in that price range and compare your best options. With our true cost analysis features, you can budget for those unexpected budget busters that most new homeowners aren’t prepared for.

A credit union that cares about their members and banking is easy and convenient. Amazing interest rates and great customer service.

-Vivian L.

What our awesome clients say

great words from great people

You're Closer to a New Home

Than You Realize

Purchase a Home

With as Little as 0% Down

It's possible to buy a home without needing the upfront funds for a down payment

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You're Closer to a New Home
Than You Realize

Personalized Support

Have questions? Our mortgage consultants and AI-assistant are here to guide you through every step, ensuring a smooth and seamless experience.

No Down Payment Required

Eliminate the need for a substantial upfront payment.

Pay off your loan early without additional charges.

Fixed Rates for Initial Term

Enjoy a fixed interest rate for the first 5, 7, or 10 years.

No Upfront Fees or Points

Reduce your initial costs with no application or origination fees.

11,000 people are buying homes every day.

Will you be one of them?

Create an Account

^{If you're actively house hunting and have good credit, Orange County's Credit Union's 0% Down Adjustable-Rate Mortgage (ARM) can help you purchase a home without the burden of a large upfront payment.}

Create an Account

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NMLS # 403462

No Prepayment Penalties

Available for Various Loan Amounts

Suitable for both conforming and jumbo loans.

No Income Limits

Accessible to a wide range of borrowers.

Why Choose OCCU's 0% Down Program?

In California's competitive housing market, saving for a traditional down payment can be challenging. This program is designed to help qualified buyers overcome that hurdle and move into their new home sooner.

Take the Next Step

If you're ready to buy within the next 1–3 months and have a good credit standing, complete the form below to connect with an OCCU representative. Our experts will guide you through the pre-approval process and help you understand how the 0% Down Program can work for you.

Get Pre-Approved Today

Don't let a down payment stand between you and your dream home. Fill out the form to speak with an OCCU representative and start your journey to homeownership.