NOTICE: Please be aware of scammers posing as Cobalt Credit Union representatives through text messages and phone calls. These fraudsters may try to trick you into sharing personal information or account details. Remember, if you receive an unexpected text or phone call claiming to be from Cobalt Credit Union, do not share your information. Please reach out to us directly to confirm its authenticity. We will never ask for sensitive information like your password, PIN, or account number via text.

Cobalt First Mortgages

Your First Home, Made Possible with Cobalt

At Cobalt Credit Union, we believe buying your first home should be exciting—not overwhelming. That’s why we offer a mortgage program designed specifically for first-time buyers, making homeownership more achievable than ever.

0% down payment options
Up to 105% financing
Options available with no mortgage insurance requirement*

Apply Now

Explore our other mortgage options or meet our expert financing team to find the right fit for your homebuying journey. We're ready to help you take the next step with confidence.

*Additional conditions and exclusions may apply. All programs, rates, and terms are subject to credit approval and may change without notice. Certain underwriting requirements and conditions must be met. Closing costs, buyer costs and escrow fees may apply. For full details, please contact Cobalt Credit Union at (800) 228-0392. Equal Housing Lender.