First-Time Homebuyer Loans

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. Fixed-Rate 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 6.415% APR has an estimate monthly payment of $$63per $10,000. Taxes and insurance not included, your actual payment obligation will be higher. Standard closing costs and fees apply. Disclosed rates are based on credit scores 780+ and maximum loan-to-value of 75% and 25% down payment for a primary residence. Maximum loan-to-value ratio of 95% and 5% down payment for loans up to $832.750. Maximum loan-to-value ratio of 80% and 20% down payment for loans greater than $832,750.  Loan amounts up to $2.5 million. Up to 30-year terms available. Property hazard insurance is required. Firstmark Credit Union is not part of and does not represent any government agency. 
4. On Your Mark® Mortgage: APR is Annual Percentage Rate. Mortgage rates and terms vary based on selected product, purpose and type, loan-to-value and credit score. Rates are subject to change until execution of an interest rate lock-in agreement. Subject to credit approval; not all borrowers qualify.  A 30-year term at 7.174% APR has an estimate monthly payment of $$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.
5. Adjustable-Rate 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. Rates are for Purchase and Refinances of residential property – No Commercial Property or Manufactured Homes. 5/5 ARM Rate advertised is an Adjustable-Rate Mortgage (ARM). The interest rates and payments may increase after consummation. For the first 60 months, the APR will be 5.686% with an estimated monthly payment of $$58 per $10,000. After the initial fixed-rate period, your interest rate can increase or decrease every five(5) according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. 7/6 ARM and 10/6 ARM options also available – ask us for details. Up to 30-year terms available. Loan amounts up to $2.5 million. Property hazard insurance is required. Standard closing costs and fees apply. Firstmark Credit Union is not part of and does not represent any government agency.