Purchase Loans

Loans That Feel Like Home

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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New Home Loans

First-time homebuyers welcome
Suitable for any dream home

Benefits of Purchase Loans

Find a Loan Officer

A home purchase loan is a big investment in your future financial security. You need a trustworthy and experienced partner by your side. That's where One Nevada comes in!

Review all our home loans

MORTGAGE TYPE	APRs	BEST FOR
Purchase Loans Buy your first home or upgrade to your dream home 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	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	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	See Rates Page.	Use your home’s equity as a revolving line of credit for renovations or other needs.

Rates

Refinance and save

Refinancing your home loan could help you save money with a shorter term, lower rate, or lower monthly payments.

Flexible loan options
Lower your interest rate
Apply online or in-person

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ONCU 30 Yr Fixed - 1 Point

5.625%^{Rate ^*}

5.749%^{APR ⁺}

Get Pre-Qualified

15 Year Fixed

6.000%^{Rate ^*}

6.057%^{APR ⁺}

Get Pre-Qualified

FHA 30 Year Fixed

5.750%^{Rate ^*}

5.944%^{APR ⁺}

Get Pre-Qualified

VA 30 Year Fixed

5.875%^{Rate ^*}

6.211%^{APR ⁺}

Get Pre-Qualified

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.

Learn More

25Mar

A Member Perk Worth Filing For

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

FAQs on Home Purchase Loans

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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

¹Rate = Rates are determined by individual credit standing, collateral age, collateral value, and loan term. Rates may differ.

²APR = Annual Percentage Rate. The APR is listed "as low as"; Mortgage rates are excluded; call for APR. If the loan terms allow it, the APR can increase after closing.

Dividends will be credited to your account and compounded every month. Fees could reduce the earnings on the account.
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.
Federally Insured by NCUA. Equal Housing Opportunity.

Rates as of:

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Loans That Feel Like Home

New Home Loans

Benefits of Purchase Loans

Review all our home loans

Refinance and save

ONCU 30 Yr Fixed - 1 Point

15 Year Fixed

FHA 30 Year Fixed

VA 30 Year Fixed

Can You Afford a Homebuyer Loan?

A Member Perk Worth Filing For

FAQs on Home Purchase Loans

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