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Getting a mortgage from Town & Country Credit Union means you'll receive a Free Pre-Qualification, our Low Rate Guarantee and local decision making. Our experienced lenders can help you get a mortgage in the form of a Conventional Loan, FHA Loan, VA Home Loan or USDA Loan. They are also experienced at working with First Time Home Buyer programs.

ND First Time Home Buyer and MN First Time Home Buyer Programs

Do you have more questions than answers when it comes to buying your first home? Don't stress. We've got you covered.

Our experienced mortgage team can help qualified borrowers access down payment and closing cost assistance through the First Time Homebuyer Program. This program can be combined with a Conventional Loan, FHA Loan, VA Loan or USDA/Rural Housing loans.

Town & Country Credit Union offers both the ND First Time Home Buyer Program and the MN First Time Home Buyer Program, allowing us to help you finance your first home in either state.

Ready to get moving with your new home? Reach out to one of our helpful mortgage lenders with any questions you may have or apply online now and get your pre-qualification started. Then check out our Mortgage Application Checklist to determine which documents you'll need to provide to ensure the process of pre-qualification and loan approval go as smoothly as possible.

We can help you determine how much you qualify for, how much of a down payment you need to save, what you can do to improve your credit if needed, and more. It's time to stop feeling overwhelmed. Our mortgage lenders can help make home happen for you.

Rates and loan approval are dependent on credit and underwriting factors and may be subject to additional eligibility criteria. Rates, terms and conditions are subject to change without notice. Contact us for more details.

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First Time Home Buyer

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Conventional Mortgage Loans

• As little as 3% down payment required to finance purchase price
• Requires mortgage insurance if financing over 80% of the purchase price
• Insured by third party private mortgage insurance companies

Conventional Mortgage Loans for a Second Home (Lake or Vacation Home)

• As little as 10% down payment required to finance purchase price
• Requires mortgage insurance if financing over 80% of the purchase price
• Insured by third party private mortgage insurance companies

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Conventional

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FHA Mortgage Loans

• As little as 3.5% down payment needed to finance purchase price

• Gives allowance for lower credit scores and higher debt to income ratios

• Requires mortgage insurance that is issued by the government

Couple standing in front of a new blue home

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FHA Loan

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VA Loans

We are proud to offer the best rates to America's Heroes. VA Loans are for Qualified Military or Veteran Persons.

• Finance up to 100% of the purchase price with no down payment required
• Does not require monthly mortgage insurance, which lowers the monthly payment

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VA Home Loan

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USDA/Rural Housing Loans

• Finance up to 100% of the purchase price with no down payment required

• Is eligible for rural properties only

• Can verify if property qualifies by going to USDA website and searching eligible properties

• Is insured by the government

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USDA/Rural Housing

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