Yes. HHCU membership is required to take out any loan. But joining is easy and costs just $5 to open a savings account. If you're not already a member, you can become one as part of the mortgage application process. Membership is open to those who qualify.

There's no single cutoff. Your score is one part of the picture, along with income, debt, and down payment. Our lending team looks at your full financial situation and can walk you through where you stand, even if your credit isn't perfect.

It depends on the loan program. Some options allow as little as 3-5% down, while others may require more. Talk with our FocusOne lending team about which program fits your budget and goals.

Most loans close within 30-45 days of a complete application, though it can vary based on the loan type and how quickly documents are submitted. Getting pre-qualified early helps keep things moving.

Yes, and we recommend it! A pre-approval shows sellers you're a serious, qualified buyer and gives you a clear budget to shop within before you start touring homes.

As a not-for-profit, member-owned institution, HHCU isn't answering to outside shareholders, so we're able to offer competitive rates and lower fees, plus more personalized service from a local team that reviews your loan, rather than a call center. Through our partnership with FocusOne Mortgage Solutions, you get that same member-first approach paired with dedicated mortgage expertise.