First Time Home Buyers in Wisconsin | Home Loans

Buy Your First Home & Save

Buying a home is a big deal—especially when you're becoming a homeowner for the first time. We're here to help make it more affordable.

As a first-time homebuyer, you can get up to $1,000 off closing costs* at UW Credit Union—plus up to $250 more if you enroll in Premium Rewards Checking.¹

You'll also benefit from:

Expert support every step of the way
100% fast, easy, online preapprovals
Quick decisions and on-time closings
Additional UWCU membership perks

Get started with our free rate quote tool to see custom home loan rates and payments.

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First-Time Buyer Resources & Support

At UW Credit Union, we want your homebuying experience to be easy and stress free. That's why we provide a range of useful tools and resources to empower and educate homebuyers, such as:

Helpful articles and tips in our First-Time Homebuying Guide
Custom rate quotes to compare different home loans and rates
Free, no-obligation first-time homebuyer seminars for expert guidance

Young couple cooks in the kitchen of their new home after saving on closing costs

We Can Help

Have questions or need help? Our team is here for you.

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Try Our Calculators

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Fast Online Preapprovals

Apply online to get preapproved. It's the quickest way to start your homebuying journey.

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Easy Home Loan Process

As one of Wisconsin's top lenders, we're here to make the loan process easy and stress free.

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Routing Number 275979076

About UWCU | Privacy Policy

* UW Credit Union closing cost credit is variable and may be up to $1,000. Credit will be calculated on actual cost, excluding owner’s title and transfer tax fees, and will be reflected on the Closing Disclosure (CD). Offer valid for purchase transactions only; refinances do not qualify. Offer valid for first-time buyers only. An individual is to be considered a first-time home buyer who (1) is purchasing a property; (2) will reside in the property as a principal residence; and (3) has had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the property. The discount will be applied at closing as a lender credit and reflected on the CD. This offer excludes VA, FHA, WHEDA, lot, construction, investment property and Rapid Refinance loans. Offer valid for first mortgages only. Offer is subject to credit approval and underwriting and is subject to change without notice. Mortgage insurance is required for transactions over 80% LTV. This offer requires an established UW Credit Union checking account. Offer may be combined with $250 closing cost credit for Premium Checking for a maximum credit of $1,250, but may not be combined with any other offers. No other discounts apply. Actual closing cost credit may be limited as the combined total of seller credits and lender credits cannot exceed the actual amount of closing costs, prepaid interest, and escrow reserves; please review the allowable credits for your specific transaction with your loan officer. Contact us for details.

¹Membership requirements apply. Member must have a UW Credit Union Premium checking account opened at least 20 days prior to closing date to receive up to a $250 closing credit, which will appear as a credit on the final Closing Disclosure. Credit will be calculated on actual cost, excluding owner’s title and transfer tax fees, and will be reflected on the Closing Disclosure (CD). Offer subject to change and without notice. Offer may be combined with First-Time Homebuyer Discount for a maximum credit of $1,250, or it may be combined with $500 Closing Cost Credit for a maximum credit of $750, but may not be combined with any other offers. Offer is not available for the following loan types: lot, construction, WHEDA, FHA, VA, and Rapid Refinance. Contact us for details.

UW Credit Union is ranked among the top ten home loan lenders in the state based on information from county Register of Deeds Offices; CoreLogic.

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First-Time Homebuyer Discount