Welcome Home

Whether you’re buying your first house, adding a vacation home, or expanding your investment portfolio, Department of Commerce Federal Credit Union makes home financing simple, fast, and friendly. We offer more than 30 loan programs available in all 50 states for Owner-Occupied homes, Second Homes, and Investment Properties — from First-Time Buyer programs to rate reduction and cash-out options. We’ll help you find the loan that fits your goals and your budget.

Learn about the mortgage process

Buying a home can feel complicated — we’ll walk you through it. Learn how mortgages work, what lenders look for, and how to prepare:

• Understand loan types and which program fits you.
• See the documents you’ll need (income, assets, ID, property info).
• Learn credit and down-payment expectations.
• Tips to improve your chances: improve credit, reduce debt, gather paperwork.

Ready to dive in? Our guides explain each step in plain language so you can move forward with confidence.

Apply online — fast & secure

Use our convenient online application to get started now. It’s secure, mobile-friendly, and the fastest way to begin the process.