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First-Time Home Buyer Program

Been dreaming of a home of your own, but thought it was out of reach? GSCU's all new First-Time Home Buyer Program makes it easier than ever before to make it happen!
Visit a branch or apply online today!





Home must be primary residence, may be single family home, attached or detached condo, and meet Fannie Mae underwriting guidelines. Borrower(s) must be employed at current company for at least two years.  Borrower(s) cannot have a debt-to-income ratio higher than 45%, using traditional methods of underwriting mortgages.  Loan amount cannot exceed $417,000 and a maximum loan to value of 97%.  Borrower(s) must have a credit score of 620 or higher.  Rate based on credit score and subject to change.  Down payment may be gifted; gift letter must be executed by donor and proof of funds from the donor and receipt from borrower is required prior to closing.  Interest on the portion of credit that exceeds the fair market value of the dwelling is not tax deductible, for Federal income tax purposes; consult with a tax advisor for further information regarding the deductibility of interest and charges.  Call 1-800-645-4728 or visit www.gscu.org for current rates.  Mortgage and Hazard insurance is required.  Offer subject to change at any time.  Membership is open to anyone working or living in NH.  This credit union federally insured by the National Credit Union Administration.  Equal housing lender.  NMLS# 477276
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