1st-Time Home Buyers :: 1st Community Credit Union

Buying your 1st home isn't just a transaction, it's an exciting milestone in your life! Our Mortgage Experts will guide you through the process, and they work flexible hours to meet your needs.

Great rates are available NOW!
$0-Down Payment options available
Low closing costs
Friendly, local lending experts
Flexible terms
Free pre-approval
AND...a FREE LAWNMOWER to 1st-Time Home Buyers!

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A Home Loan Pre-Qualification has become a crucial first step in buying a home. The Pre-Qualification is a simple, easy way for you to find out ahead of time if you will qualify for a home loan, the loan amount you will qualify for, and the kind of monthly payments you can afford. In today's home buying market, buyers generally need a Pre-Qualification Letter in hand before a Realtor will begin showing them homes. We've been in an environment with a low inventory of home for sale and a high volume of potential buyers. Having that Pre-Qualification Letter in hand shows Realtors and Sellers that you are a serious buyer who already has financing in place.

DON'T WAIT! Getting that initial Pre-Qualification with one of our lenders should be the first step in your path to owning a home. It's a free, no-obligation conversation and a great way to get your questions answered. Our mortgage experts have helped many 1st-Time Homebuyers navigate the mortgage loan process from pre-approval to loan closing, and you can see a few of them pictured below with their free lawnmower.

You could be next!

1st-time Home Buyer Kristin with her free lawnmower she got at closing 1st-time homeowner Dallas and his girlfriend being presented with their free lawnmower by 1st CCU's Barb Burnham while realtor Heather Nokken looks on 1st-time homeowners Zach and Daisy presented with a free lawnmower from 1st CCU's Brittany Herricks 1st time homebuyer Ben pictured with his new free lawnmower, presented by Lisa Miller, Mortgage Loan Officer 1st-time home buyers Tyler and Lane with their new lawnmower presented by Brittany Herricks, Mortgage Loan Officer 1st-time Home Buyer Chase with his new lawnmower, presented by Brittany Herricks, Mortgage Loan Officer First-time Home Buyer Nate with his new free lawnmower 1st-time home buyers John and Charity with Lisa Miller, Mortgage Lender 1st-time home buyer Jodi with Mortgage Lender Lisa Miller First-time home buyer Ethan with his free lawnmower presented by Brittany Herricks, Mortgage Loan Officer First-time home buyer Logan with Brittany Herricks, Mortgage Loan Officer and his realtor Lisa Miller, Mortgage Lender, presenting free lawnmower to 1st-Time Home Buyer Dave 1st-Time Home Buyer Connor with his free lawnmower presented by Brittany Herricks, Mortgage Loan Officer NMLS 2054226 1st-Time Home Buyer Alyssa with her free lawnmower presented by Brittany Herricks, Mortgage Loan Officer NMLS 2054226 Mortgage Lender Barb Burnham presenting a free lawnmower to 1st-time home buyers Courtney and Dustin. 1st-Time Home Buyer Nick pictured with Becka and his new free lawnmower. Also with Barb Burnham, Mortgage Loan Officer. 1st Time Home Buyers Sara and Steve with their free lawnmower presented by Brittany Herricks, Mortgage Loan Officer 1st Time Home Buyers Rachel and Justin with their free lawnmower presented by Brittany Herricks, Mortgage Loan Officer 1st Time Home Buyer Shawn with his free lawnmower presented by Barb Burnham, Mortgage Loan Officer 1st Time Home Buyer Ali pictured with Brittany Herricks, Mortgage Loan Officer and her new lawnmower. 1st Time Home Buyer Clinton with his new free lawnmower 1st-Time Home Buyer Travis with Barb Burnham, Mortgage Loan Officer Bob and Rose, 1st Time Home Buyers, being presented with a free lawnmower by Mortgage Loan Officer Brittany Herricks, NMLS 2054226 1st-time Home Buyer Josiah and his new free lawnmower 1st Time Homebuyer Brock with Mortgage Loan Officer Lisa Miller 1st Time Homebuyer Carol with Mortgage Loan Officer Brittany Herricks 1st Time Home Buyers Angela and John with their free lawnmower presented by Brittany Herricks, Mortgage Loan Officer New home owners Melissa and Robert with their new lawnmower, pictured with Liza Schlintz, Member Business Loan Officer 1st Time Home Buyer pictured with Barb Burnham, Mortgage Loan Officer 1st Time home buyer Tegan with Brittany Herricks, Mortgage Loan Officer, and her free lawnmower 1st-time home buyers Nathan and Kristi with their new lawnmower and Brittany Herricks, Mortgage Loan Officer 1st-Time homebuyer Doug with his free lawnmower 1st-time Home buyer Doug pictured with his new free lawnmower, and Brittany Herricks, Mortgage Loan Officer 1st-time Homebuyers Jason and Gina and their kids pictured with Brittany Herricks, Mortgage Loan Officer 1st Time Home Buyers Chase and Ashley with their new lawnmower presented by Lisa Miller, Mortgage Lender. 1st-time home buyers Rene and Juana pictured with Barb Burnham, Mortgage Loan Officer, and their new free lawnmower 1st Time Home Buyer Danielle pictured with the lawnmower presented to her by Mortgage Loan Officer Brittany Herricks 1st-Time Home Buyer Callie with the new lawnmower presented to her by Mortgage Loan Officer Lisa Miller Barb Burnham presenting a free lawnmower to 1st Time Homebuyers Jessica and Michael 1st Time Home buyers Tracey and Trevor with Brittany Herricks, Mortgage Loan Officer 1st Time Home buyers Brittany and Chris with Lisa Miller, Mortgage Loan Officer 1st Time Homebuyer Jack and Barb Burnham, Mortgage Loan Officer 1st Time Home Buyers Ryan and Dianna with Lisa Miller, Mortgage Loan Officer 1st Time Homebuyer Kyle with his free lawnmower Lisa Miller giving new lawnmower to first time home buyer Lisa Lisa Miller, Mortgage Lender, with new homeowner John Lisa Miller, Mortgage Lender with new homebuyer Daniel First time home buyers Chelsey and Matt Mortgage Loan Office Lisa Miller with Clayton and new lawnmower Jason and Carrie, first time home buyers, pictured with Mortgage Lender Lisa Miller and their new free lawnmower 1st-time home buyer Jon and fiance Elyssa with their new free lawnmower 1st-time homebuyer Jon with his new free lawnmower Liza Schlintz pictured with first-time home buyers and their new free lawnmower first time home buyers Brandon and Keliesha, with Mortgage Lender Barb Burnham First-time home buyer Alex pictured with Barb Burnham, Mortgage Loan Officer. NMLS 479185 Mortgage Molli (Molli Hundt) pictured with 1st Time Homebuyer Shelley, her realtor, and Mortgage Lender Liza Schlintz Mortgage Loan Officer Molli Hundt pictured with 1st Time Home buyers Christopher and Carla Home buyers Leah and Dylan pictured with Molli Hundt, Mortgage Loan Officer. 1st-Time Home Buyer Amber pictured with her free lawnmower, and Molli Hundt, Mortgage Loan Officer. NMLS 488022 1st-Time Home Buyer Brad, pictured with Mary and Molli Hundt, Mortgage Loan Officer, at home loan closing 1st Time Home Buyers Kim and David with Molli Hundt, Mortgage Loan Officer 1st Time Home Buyer Dan with Molli Hundt, Mortgage Loan Officer 1st-Time Home Buyer Tom, pictured with his free lawnmower and Barb Burnham, Mortgage Loan Officer. 1st-Time Home Buyer Ellyn First-time home buyer Bruce, pictured with his new lawnmower, his realtor Diane McNulty, and Barb Burnham, Mortgage Loan Officer. 1st time home buyer Hunter picture with his free lawnmower and Molli Hundt, Mortgage Loan Officer 1st time homebuyer Heather with Molli Hundt, Mortgage Loan Officer, Ashley, and Heidi at mortgage closing group photo during loan closing: Molli Hundt with Derek and Laney on the day they closed their home loan, along with the realtor and loan processor. 1st-time Home buyer Nick pictured with his new free lawnmower and Molli Hundt, Mortgage Loan Officer Home Buyer Alice with Molli Hundt, Mortgage Loan Officer 1st-Time Homebuyer Mike pictured with his free lawnmower and Molli Hundt, Mortgage Loan Officer. 1st time homebuyer Stacy pictured with his new lawnmower and Molli Hundt, Mortgage Loan Officer 1st-time Homebuyer Serenity pictured with Molli Hundt, Mortgage Loan Officer NMLS 488022 1st-time homebuyer Tim pictured with his new lawnmower and Barb Burnham-Mortgage Loan Officer 1st-time homebuyer Lynne pictured with her new lawnmower 1st-time Homebuyers Zona and John pictured with Molli Hundt-Mortgage Loan Officer, and Mary Rohwer Pasch 1st-time Homebuyer Devin pictured with his new lawnmower and Mortgage Loan Officer Molli Hundt 1st-time Homebuyer Nicholas, pictured with Molli Hundt, Mortgage Loan Officer. MLS 488022 1st-time Home Buyer Keely pictured with the new lawnmower she and Quinten received from 1st CCU and Molli Hundt, Mortgage Loan Officer 1st-time homebuyers Olivia and Scott, pictured with their new lawnmower and Barb Burnham, Mortgage Loan Officer 1st-time homebuyer Andrew, pictured with Mortgage Loan Officer Molli Hundt and his new lawnmower, courtesy of 1st CCU 1st-time Homebuyer Paul pictured with Barb Burnham, Mortgage Loan Officer, and his free lawnmower 1st time homebuyers Eric and Jennifer pictured with their children and their new lawnmower. Also pictured is Molli Hundt, Mortgage Lender 1st time homebuyer Shane, pictured with his new lawnmower and Molli Hundt, Mortgage Loan Officer 1st-time homebuyer Richard, picture with his new lawnmower and Barb Burnham, Mortgage Loan Officer. 1st Time Homebuyer pictured with 'Mortgage Molli' NMLS 488022, and his new lawnmower 1st Time Homebuyer Mary S is pictured with 'Mortgage Molli' NMLS 488022 and Realtor Spenser Nickelatti Molli Hundt, Mortgage Loan Officer NMLS 488022, pictured with 1st time homebuyers James and Jennifer Nicholas and Melissa, first-time homebuyers, pictured with their free lawnmower 1st-Time Homebuyers Darrrel and Candace leave their loan closing with a new free lawnmower First-time homebuyers Marty and Jenna pictured with Molli Hundt and their new lawnmower 1st Time Homebuyer Emily, pictured with her new free lawnmower and Molli Hundt, Mortgage Loan Officer 1st Time Homebuyer Jody pictured with her new lawnmower and Molli Hundt, Mortgage Lender 1st Time Homebuyers Nick and Stacy with Molli Hundt, Mortgage Loan Officer 1st time homebuyer Elitzadely pictured with her new lawnmower, and Molli Hundt, Mortgage Loan Officer 1st Time Home buyer Chris pictured with his Realtor and Molli Hundt, Mortgage Loan Officer 1st Time Homebuyer Sierra pictured with her new free lawnmower and Mortgage Lender Molli Hundt and Realtor Marta Volden 1st Time Homebuyers Sarah and Conner pictured with Mortgage Lender Molli Hundt and their new free lawnmower First time homebuyer Jake pictured with his new lawnmower and Molli Hundt, Mortgage Lender NMLS488022 1st time Homebuyer pictured with his new lawnmower and Molli Hundt, Mortgage Lender 1st-Time homebuyer D. Woodworth, pictured with realtor Jeanne Button 1st time home buyers with his new lawnmower, pictured with Barb Burnham, Mortgage Loan Officer. 1st time home buyer with free lawnmower, pictured with Barb Burnham 1st time home buyer with lawnmower, pictured with Barb Burnham 1st time home buyers with free lawnmower, pictured with Barb Burnham 1st time home buyers with lawnmower 1st time home buyers pictured with free lawnmower 1st time home buyer with free lawnmower 1st time home buyer, pictured with Molli Hundt

All loans subject to approval. Conditions apply. Ask a 1st CCU Mortgage Expert for current rates, terms and mortgage options. Membership eligibility required. Anyone living or working in our 14-county field of membership (La Crosse, Jackson, Monroe, Vernon, Trempealeau, Juneau, Adams, Wood, Clark, Eau Claire, Richland, Sauk, Buffalo, and Crawford Counties) is eligible for membership. Depending on inventory, actual lawnmower you receive may not be the exact model picture here, but will be of equal or greater value.