Every hero deserves a home

Saving up for a large down payment can be a huge challenge for first-time homebuyers. That's why we offer first-time homebuyers - or those who haven't owned a home for at least two years - 100% financing and other financial advantages that make homeownership attainable now.*

  • For active-duty sworn and civilian law enforcement personnel
  • Low financing rates
  • No down payment
  • No private mortgage insurance
  • Fixed-rate loans of 30 or 40 years
  • Personal assistance from our experienced mortgage lending team


  • Cannot be a homeowner within the past 24 months
  • 700 FICO® Score minimum
  • Property must be in California
  • Three months of payment reserves in savings
  • Maximum 45% debt-to-income ratio
  • Complete first-time buyer online class
  • $250 application fee*


  1. Complete the homebuyer education course at fanniemae.com/education.
  2. Email mortgageloanofficers@lapfcu.org your certificate of completion and request an appointment to apply for the loan.
  3. Pay a $250 application fee that will be credited back to you when the loan closes.
  4. A Mortgage Loan Officer will take the application over the phone, and you’ll receive a pre-approval letter within two business days.

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Credit Cards

From your first card to earning rewards and everything in between - we have a credit card that will fit your needs.

LAPFCU is a full-service credit union for sworn, civilian, and professional employees of police and sheriff's departments and their family members in Los Angeles, Orange, Riverside, San Bernardino and Ventura counties.