THE BLUEPRINT: SUMMER 2024
Zero. Zilch. Nada.
The Budget-Friendly Home Loan
Typically, a down payment is the first substantial expense in the home-buying process. When lenders require large down payments, it can make the idea of homeownership seem near impossible to clients.
At Community West, we offer a $0 down mortgage with no PMI so your clients can focus their hard-earned money elsewhere. A zero down offers more than just money-saving benefits. Additional advantages include:
- Highly competitive rates
- Fixed rates with multiple terms available
- Reasonable underwriting criteria
- Local decision-making
This financial solution tailored to your clients' diverse needs is a great option for first-time homebuyers and clients looking to upgrade their homes. Our mortgage experts are available to answer any questions along the way!
Need Assistance?
The HomeReady Loan is here to help!
With a low down payment and financial flexibility, HomeReady Loans offer a great solution for your creditworthy, low-income clients - no matter if they are buying for the first time or upgrading. A $2,500 down payment credit is available for a limited time. Certain restrictions apply.
Member Testimonial
"I could not have asked for a better experience working with Cyndi as my mortgage consultant. I would highly recommend her to anyone in need of mortgage assistance. Her knowledge, professionalism, and dedication to her clients make her an incredible asset, and I am so grateful to have had the opportunity to work with her. Thank you, Cyndi, for all of your hard work and for making the mortgage process a positive and stress-free experience for me."
- Chase H.
Member Testimonial
"Securing a mortgage through Community West Credit Union was one of the best decisions I made for my home buying journey. Miranda provided exceptional support and guidance every step of the way, making the process smooth and stress-free. From the initial application to the closing, they were responsive, knowledgeable, and truly cared about helping me achieve my homeownership goals. I highly recommend Community West Credit Union to anyone searching for a mortgage loan."
- Heather A.
Summer Home Maintenance Tips
The temps continue to rise, and there's no better time to get started on home maintenance projects. Here are some top tips and tricks to keep your home in tip-top shape, so you can enjoy your adobe all summer long.
- Inspect and clean your sidewalks, deck, patio, and driveway. Use a pressure washer to wash away all dirt, grime, and mold build-up.
- Clean gutters and downspouts. Soft-wash any screens, outdoor furniture, and siding of your home. (Expert tip: use the pressure washer from above, just use a wide-spray nozzle to lower the PSI.)
- Prevent bug breeding grounds with outdoor bug spray around the perimeter of the house.
- Inspect indoor hoses on the dishwasher, washing machine, ice maker, fridge, and all toilets for signs of leaks, cracks, or tears. Hoses are recommended to be replaced every 3-5 years.
- Test smoke and carbon monoxide detectors by replacing old batteries and ensuring all detectors are working as expected.
- Check washing machine seals and inspect for build-up or stains. To clean, mix 3/4 cup of chlorine bleach with a gallon of warm water. Rub affected areas with the solution and let it sit for 5 minutes. Wipe dry with a clean cloth and let air dry.
- Reverse ceiling fans to counter-clockwise to push air straight down, creating a breeze for the warmer weather. Look for a direction switch normally located on the side of the fan above the blades.
- Clean garbage disposal and dishwasher. For the disposal, simply flush with hot water and dish soap. For the dishwasher, add 2 cups of vinegar to the bottom and run on low wash.
About Us
At Community West Credit Union, we guide home buyers through the process with a range of mortgage services that help them purchase their first home or upgrade to a dream property. As a member-owned, not-for-profit organization, we're fully invested in our communities and proudly provide several mortgage options and resources.