First Mortgages

Maximum Grant Funds Available–
Up to 6% or $24,000


  • Minimum member contribution is the lesser of $1,000 or 1% of purchase price
  • Must complete a HUD-certified Homebuyer Education course and receive a Certificate of Completion if you are a first time homebuyer
  • Members must purchase a home within Cook County, excluding the City of Chicago
  • Minimum credit score of 620
  • Primary residences only on eligible property types
  • Grant is forgivable after 7 years

Have questions? Please contact one of our loan officers.


Apply Today

PFCU Loan Officers

Partnership Financial Credit Union – NMLS#409351

Todd Twardowski
Morton Grove Office

Andrew Hogle
Barrington Office

Joellen Davis
Kenilworth Office

Audrey Szubert
Des Plaines Office

Our loan officers can prequalify you for a mortgage in as little as fifteen minutes, over the phone! Once you are prequalified, you have a better sense of what you can afford and the prequalified status tells sellers that you are a serious shopper. It can give you the advantage you need in a bidding war against another home buyer.

Documents Needed for a Mortgage Application

  • Copies of your most recent pay-stubs covering a one month period
  • Copies of your W2 forms for the most recent 2 year period.
  • If income is derived from retirement accounts, the most recent awards letter verifying the monthly retirement income
  • Copies of your complete (including all schedules) IRS Tax Form 1040 for the most recent 2 year period.
  • If you are self-employed Corporate Returns for the most recent 2 year period will be required.
  • Copies of 2 months asset statements (all pages) for any and all accounts, including savings, checking and retirement accounts.
  • Copies of a Government issued ID & Social Security card.
  • If your loan request is for a refinance transaction a copy of your most recent mortgage statement.
  • If your loan request is for a home purchase a copy of the fully executed signed purchase contract.
  • Name and phone number of your homeowners insurance agent and/or Condo Association (if applicable).

Copies of the documentation can be submitted to any of our four offices or you can fax them to the following number:

Attention: Mortgage Department