A view of a subdivision of homes in Southern California from an airplane. Subdivision in Southern California. (Source: Shutterstock)

Credit unions have been devising ways to help average buyers in a market where home prices are setting records and sellers are juggling multiple offers.

Two western credit unions announced mortgage options this month designed to lower the down payment barrier for buyers and raise sellers' confidence in their offers.

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Jim DuPlessis

A journalist for decades.