What is Apply & Buy?

Apply & Buy is an internet-driven home buying program that saves you thousands of dollars. Realtors® and lenders package their services together in order to offer you significant savings. Working more efficiently through the use of the Internet, they pass their savings directly on to you in the form of a lower interest rate on your next mortgage.

Here's How It Works!

   Go to our Getting Started page to determine whether you are eligible for the Apply & Buy program.

   Tell us about your transaction.

   We will provide you with the name of one of our over 48,000 participating Realtors® in your area, so you can interview them and make sure you will be happy working with them. Please remember that you must use one of our participating Realtors® when buying and selling.

   You apply for a mortgage through your participating non-profit credit union, or you apply online through one of the nationwide lenders currently available through our program. See our list of Available Lenders.

   You then subtract 3/8 of 1.00% off their market rate, for the life of the loan, if you are buying and selling a home. Or subtract 1/4 of 1.00% off of their market rate, for the life of the loan, if you are only buying a home.

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