First Mortgages

We're Here to Help.
Buying your first home is a big step, but it doesn't have to be a scary one. The more you know about the home-buying process, the more confident you'll feel about making the important decisions that will shape – and house – your future.

Chaco has great products and terms for your home-buying needs:

  • Competitive fixed and adjustable rates
  • Primary residence, second homes and investments
  • First-time homebuyers and self-employed borrowers are welcome
  • Pre-approvals within 24 hours

Our team of mortgage experts are here to help you navigate every step of the process. Whether you are trying to figure out which type of mortgage is best for you (Conventional, FHA, VA, USDA), looking to start the process on your own or need some one-on-one guidance, Chaco has the tools and resources to make your dream a reality.

Preparing for Home Ownership.
The more you know and understand about the home-buying process, the smoother the experience will be. Utilize our tools to understand the benefits of buying and renting, how much home you can afford, and how pre-qualifying helps.
Get Started Now

Calculators. 
Before you purchase your first house, it's important to understand your financial reality. Estimating your potential mortgage, taxes, insurance and living expenses fit into the big picture will help you avoid unexpected surprises down the road.
Use Purchase Calculators

Your Credit History.
Understanding your credit history is an essential part of the first-time home-buying process. Your credit score will determine the terms of your mortgage for both the length of the loan and the rate. Contact our mortgage team to obtain your credit history.

The Chaco Mortgage Team. 
We understand that buying your first home is one of the biggest and most exciting decisions you can make. We also understand that the process can be a little overwhelming.

Our team is here to help. For guidance through this process, contact our mortgage team and we will gladly get you started and walk through this exciting process with you every step of the way.

Our Difference is Simple

When it comes to your financial plan, we understand what you need now and more importantly, what you need tomorrow. We are here to help you get the most out of both. Whether just starting out or preparing to retire, we help you become financially prepared and fully informed. At Chaco, we bring you the same expertise and competitive services as other institutions, but with the compassion and genuine care that can only come from being member-owned and operated. From CDs and savings to mortgages and more, we work to keep things simple when it comes to your finances – so you can focus on your life. And that makes a difference.