Whether you're currently shopping or planning for the future, Wailuku Federal Credit Union can help you with financing your first home. If you are ready to purchase a home now or very soon, we offer loans with down payments as low as 3%. We may even cover some closing costs, such as an appraisal up to a pre-determined amount. We also offer loans with little or no closing costs at all.

Even if you are a few years away from purchasing your first home, we will let you know what must be done to make the process as smooth and easy as possible. The more prepared you are, the better off you will be, so it’s never too early to start the process.