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100% Financing Home Loan

Buy a Home with No Down Payment

Spring Discounts are Here! Save thousands on your mortgage. Select terms eligible for a .50% automatic rate discount.1,2

Saving for a down payment can be one of the biggest barriers to homeownership. With our On Your Mark® Mortgage, you may be able to buy a home with 100% financing and no private mortgage insurance (PMI). We’ll help you explore your options and take the next step with confidence.

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Why Firstmark

A smarter way to get into your first home

You don’t always need a large down payment to become a homeowner. At Firstmark, we offer solutions designed to help more members get started—without waiting years to save.

  • No down payment required
  • No PMI required
  • Pre-approvals in as little as 48 hours
  • Mortgage experts to guide you through the process
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Pre-Approval

Start with a pre-approval

The best way to find out if you qualify for 100% financing is to get pre-approved. We’ll review your situation and walk you through your options.

  • Understand your eligibility
  • Know your homebuying budget
  • Move forward with confidence
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On Your Mark® Mortgage

Best for: Buyers with limited savings for a down payment

  • No down payment required
  • No private mortgage insurance (PMI) required
  • Fixed rate for predictable monthly payments
  • Loan amounts between $125,000 – $400,000
  • Completion of a financial literacy course required

Interest Rates as low as 7.000% | 7.174% APR3 (includes .50% rate discount2)

Get pre-approved in as little as 48 hours.

Start My Pre-Approval

Is 100% financing right for you?

This option may be a good fit if you:

  • Don’t have savings for a down payment
  • Have steady income and strong payment history
  • Want to become a homeowner sooner
  • Prefer to keep cash on hand for other priorities

Things to consider:

  • Monthly payments may be higher without a down payment
  • Qualification requirements still apply
  • A financial literacy course is required
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Ready to take the next step?

You don’t have to wait years to save for a down payment. Let’s see if 100% financing could be the right fit for you. Our Mortgage Professionals are ready to help you move forward with confidence.

Please fill out the form below and someone will reach out to you as soon as possible.

Financial Wellness

Plan ahead with confidence

Buying a home with no down payment is a big step. These resources can help you prepare, budget, and make informed decisions along the way.

Helpful resources:

  • Budgeting for homeownership
  • Understanding total monthly housing costs
  • Preparing for closing costs
  • First-time homebuyer checklist
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NMLS Listing

Membership eligibility required. Services provided via partnership with TruHome Solutions, LLC (NMLS #284608) and are subject to credit and property approval. Other restrictions and conditions may apply. Programs and guidelines are subject to change without notice. Rates are subject to change daily. TruHome Solutions, LLC located at 6330 Sprint Parkway, Suite 200, Overland Park, KS 66211. See: www.nmlsconsumeraccess.org.

  1. Limited Time Rate Discount Offer: Rate Discount eligibility valid on mortgage loans for 30-Year Fixed Rate or 5/5, 7/6, or 10/6 Adjustable-Rate Mortgage (ARM) loan only. Rate discount available for qualifying members with a credit score of 680 or better and maximum loan-to-value ratio of 95% and 5% down payment. The property must be used as a primary residence. 
  2. Limited Time Rate Discount Offer: Rate Discount eligibility valid on the On Your Mark® mortgage loans with a minimum loan amount of $125,000 for 30-Year Fixed Rate loan only. Rate discount available for qualifying members with a credit score of 680 or better and maximum loan-to-value ratio of 95% and 5% down payment. The property must be used as a primary residence.
  3. On Your Mark® Mortgage: APR is Annual Percentage Rate. Mortgage rates and terms vary based on selected product, purpose and type, loan-to-value and credit score. Rates are subject to change until execution of an interest rate lock-in agreement. Subject to credit approval; not all borrowers qualify.  A 30-year term at 7.174% APR has an estimate monthly payment of $$68 per $10,000. Taxes and insurance not included, your actual payment obligation will be higher. Standard closing costs and fees apply. Disclosed rates are based on credit scores 780+ and maximum loan-to-value of 100% for a primary residence. Qualifying credit score of 660 or better is required and maximum loan-to-value ratio of 100%. The property must be used as a primary residence and property hazard insurance is required. Applicants must meet all other mortgage underwriting guidelines. Firstmark Credit Union is not part of and does not represent any government agency.
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