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First-Time Home Buyer

Welcome Home Grants Announced - Limited Time Only!

Grants for up to $5,000 for down payment and closing cost assistance are available starting March 1!

Funds are reserved on a first-come, first-served while funds are available - and they go quickly. Income limits apply, and you must have at least $500 to contribute towards your down payment. You will need to have an accepted purchase contract.

Contact us at (740) 597-2801 or mortgages@oucu.org for more information about this Federal Home Loan Bank of Cincinnati program.


Buying your first home is a big step! We have tools, resources and time to help you make this important decision. As the largest mortgage lender in the area, OUCU offers:

  • Competitive closing costs
  • Low down payment programs
  • Competitive rates - fixed and adjustable
  • Easy application process
  • Pre-approvals within 48 hours

We also offer special programs tailored to the first-time borrower:

  • HLPR "Helper" loan for those of modest means
  • Federal Home Loan Bank's "Welcome Home" program

Mortgage originators Shelbee Wagener, Eva Bloom and Abigail Jenkins can help explain all your options to help you find the loan that best fits your needs and financial situation. For more information or for current rates, please contact:

Shelbee Wagener, Eva Bloom & Abigail Jenkins
Shelbee Wagener, Eva Bloom & Abigail Jenkins


Shelbee Wagener
Mortgage Originator
Shafer St. Office
(740) 597- 2801
NMLS # 1588749


Eva Bloom
Mortgage Originator
W. Union Street Office
(740) 597-2801
NMLS # 586117


Abigail Jenkins
Mortgage Originator
E. State Street Office
(740) 597-2801
NMLS # 1122095



Use our convenient online MortgageClick service to apply, view rates, use calculators, and more!


MortgageClick Reg. U.S. Pat. & T/M Off.