What’s a home purchase loan?

A home purchase loan can be designed for first-time homebuyers and people who are upgrading or downgrading their living space and need to purchase a new home. A loan officer can help you get the loan you need.Reach Us

What’s a home equity loan?

A home equity loan lets you borrow up to 75% of the value of your home as long as your original mortgage doesn’t already leverage it. It’s generally a shorter-term loan and may have a higher rate of interest.Learn More

What’s a home equity line of credit?

A home equity line of credit, or HELOC, is a revolving line of credit that is secured by your home equity. You can use it much like a credit card, making purchases and then making payments to free up credit.Learn More

Is there any homebuyer loan assistance available?

Yes: we participate in down payment assistance options available through Nevada’s Home is Possible program. We also offer a New Start Mortgage program for credit-challenged, previous homeowners looking to own a home again.Learn More

Purchase Loans

New Home Loans

Whether you are in the market to build your home or looking for a readymade home to move in, you need a trustworthy partner to take your home purchase loan. One Nevada Credit Union has the right loan for every homebuyer and every house.

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Loans that Feel Like Home

First-time homebuyers welcome
Suitable for any dream home

Benefits of Purchase Loans

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A home purchase loan is a serious investment toward your future financial security. Simply put, it's a big step up from your current situation. You need a trusting partner by your side. That's where One Nevada comes in!

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MORTGAGE TYPE	APRs	BEST FOR
Purchase Loans Buy your first home or upgrade to your dream home Learn More Learn More	See Rates Page.	Ideal for those who want to purchase a home or use a homebuilder to purchase a home.
Refinance Loans Lower your monthly payment and interest rate Learn More Learn More	See Rates Page.	Perfect for homeowners stuck with a high adjustable mortgage rate and monthly payment.
Home Equity Loans Access your asset's value for ready cash Learn More Learn More	See Rates Page.	Best for families looking for a fast, easy way to tap into the equity from their homes.
Home Equity Lines of Credit Revolving credit lines for important purchases Learn More Learn More	See Rates Page.	Use your home’s equity as a revolving line of credit for renovations or other needs.

Plan before You Purchase a Home

LOAN TYPE	Rate	APR*
30 Year Fixed - 1 point	7.125%	7.256%
30 Year Fixed	7.375%	7.407%
15 Year Fixed - 1 point	6.250%	6.457%
15 Year Fixed	6.875%	6.926%
FHA 30 Year Fixed - 1 Point	6.125%	6.413%
FHA 30 Year Fixed	6.375%	6.571%
VA 30 Year Fixed - 1 Point	6.125%	6.558%
VA 30 Year Fixed	6.375%	6.718%

Mortgage Calculators

Can You Afford a Homebuyer Loan?

Calculate the monthly payment and total cost of home ownership. If you are applying for a home purchase loan or refinancing, we will make it work together.

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Answers on land purchase loans, home purchase loans, and more

FAQs on Home Purchase Loans

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APR = Annual Percentage Rate and is listed "as low as." Mortgage rates excluded; call for APR. APRs can increase after the loan consummation if the loan terms allow an APR to increase.

Rates are determined by individual credit standing, collateral age, collateral value, and loan term. No payments for 90 days are valid for qualified individuals who finance directly with One Nevada. Rates and repayment terms may vary when financing through a local dealership.

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