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Big Dreams. Small Down Payment.

Owning a home doesn’t have to feel out of reach. With Peak Credit Union’s 0% and 3% down payment mortgage options, qualifying first-time buyers can take the next step toward homeownership with confidence — and support from a local team that knows the journey.

More ways to get home — sooner.

Our 0% and 3% down mortgage options are designed to help first-time buyers move forward without waiting years to save for a traditional down payment. Whether you’re just starting to explore or ready to apply, we’re here to guide you every step of the way.

 

A mother and daughter reading together under a make-shift blanket fort.

The Peak Difference

As little as 0% down

Qualifying buyers may be able to purchase a home with no down payment required, helping reduce upfront costs.

Local guidance you can trust

From pre-approval to closing, our experienced team is here to help you understand your options and plan with confidence.

What to know as you get started

Here are a few key qualifications to know up front:

  • 3% down option: Minimum 680 FICO score
  • 0% down option: Minimum 700 FICO score
  • First-time buyers are defined as those who haven’t owned a home in the last 3 years
  • Homebuyer education course offered for first-time buyers
Not sure where you fall? Let’s connect — we’re here to help you explore your options.

Make it home.

From backyard barbecues to quiet mornings and everything in between, owning your own home is about more than four walls.
It’s about comfort, stability, and creating a space that feels like yours. Ready to take the first step?
Apply Now Call (800) 258 3115

All loans subject to credit approval. Minimum FICO score is 680 for 3% down option and 700 for 0% down option. Standard closing costs and fees still apply. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Mortgaged property must be located in Washington or Oregon state. Maximum LTV limits apply. Certain restrictions may apply. Contact a mortgage loan officer for more details. Equal housing opportunity lender. NMLS #530610

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