Fixed-Rate Mortgage Loans

A Lower Rate. A Faster Start.

Summer Mortgage Savings Event! Save with up to 1% lender credit toward eligible closing costs plus a .50% rate discount on select mortgage options.^1,2,3

Whether you’re buying your first home, upgrading, or refinancing, we’ll help you move forward with confidence.

Get Pre-Approved

Estimate My Payment

Book a Phone Consultation

Get More Buying Power This Summer on your Mortgage Purchase or Refinance

For a limited time, mortgage applications submitted between July 1 and August 31, 2026 qualify for special savings designed to help make homeownership more affordable.

Up to 1% Lender Credit Toward Eligible Closing Costs¹

Receive a lender credit up to 1% of your final loan amount that can be applied only toward eligible closing costs and prepaid items; any unused lender credit has no cash value.

Example Savings:

$250,000 Loan = $2,500 Credit
$350,000 Loan = $3,500 Credit
$500,000 Loan = $5,000 Credit

Plus a .50% Rate Discount ^2,3

Select mortgage products are eligible for an automatic .50% rate discount, helping you save even more over the life of your loan.

Why Firstmark

Mortgage support that moves at your speed

Buying or refinancing a home is a big decision, but it doesn’t have to be complicated. At Firstmark, we focus on making the process simple, fast, and easy to understand.

Pre-approvals in as little as 48 hours
Limited-time .50% rate discount on select terms ^2,3
Options including low down payment and 100% financing
Mortgage experts you can talk to
Local servicing from start to finish, so that you always know who to call
Ask about our Firstmark Preferred Partners for extra discounts on realtor commissions and home insurance products

Pre-Approval

Get started with a pre-approval

A pre-approval is the smartest first step. It tells you how much home you may be able to afford and helps you move quickly when you find the right one.

Know how much home you may be able to afford
Shop confidently and stay ahead by identifying and resolving issues before they become roadblocks
Understand what’s included in your mortgage closing costs, so that there are no surprises
Strengthen your offer when you find the right home
Get pre-approved in as little as 48 hours

Get pre-approved in as little as 48 hours.

Start My Pre-Approval

30-Year Fixed Mortgage⁴

Best for: Stability and predictable payments

Consistent monthly payments
Long-term peace of mind
Great for buyers planning to stay
Plus, Jumbo Mortgage Loan amounts up to $2.5 million

Including a .50% rate discount, Interest Rates as low as 6.375% (with a 6.542% APR⁵)

On Your Mark® Mortgage⁵ (100% Financing)

Best for: Buyers with limited savings

No down payment required
No (Private Mortgage Insurance) PMI required
Fixed rate stability
Designed to help more members become homeowners
Borrower must sign up and complete a financial literacy class

Including a .50% rate discount on 30-year only, Interest Rates as low as 7.125% (with a  7.3% APR⁴)

Ready to get started?

A lower rate and a faster pre-approval can make all the difference. Let’s take the first step together.

Our Mortgage Professionals are ready to help you with any of your homeownership needs!
Give us a call at (210) 308-7821, or fill out the form below.

Financial Wellness

Helpful tools for your homebuying journey

Whether you’re just getting started or ready to apply, these tools can help you feel more confident along the way.

Helpful resources:

Explore Mortgage Calculators

View Homebuyer Resources

Quick Links

Mortgage Calculator

Current Mortgage Rates

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.

Limited Time Up to 1% Lender Credit Offer: Up to 1% lender credit is based on final loan amount. Credit may be applied only toward eligible closing costs and prepaid items; any unused lender credit has no cash value. Available on mortgage refinance and purchase applications submitted between July 1 and August 31, 2026, and close within 90 days of application date. Subject to credit approval and membership eligibility. The property must be used as a primary residence. Additional restrictions may apply.
Limited Time Conventional and Adjustable-Rate Mortgage (ARM) .50% 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. 
Limited Time “On Your Mark® Mortgage” .50% Rate Discount Offer: Rate Discount eligibility valid on the On Your Mark® mortgage loans with a minimum loan amount of $125,000 and maximum of $400,000 for 30-Year Fixed Rate loan only. Rate discount available for qualifying members with a credit score of 660 or better and maximum loan-to-value ratio of 100%. The property must be used as a primary residence.
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 6.542% APR has an estimate monthly payment of $$63per $10,000. Taxes and insurance not included, your actual payment obligation will be higher. Standard closing costs and fees apply. Disclosed rates are based on credit scores 780+ and maximum loan-to-value of 75% and 25% down payment for a primary residence. Maximum loan-to-value ratio of 95% and 5% down payment for loans up to $832.750. Maximum loan-to-value ratio of 80% and 20% down payment for loans greater than $832,750.  Loan amounts up to $2.5 million. Up to 30-year terms available. Property hazard insurance is required. Firstmark Credit Union is not part of and does not represent any government agency. 
On Your Mark® Mortgage: APR is Annual Percentage Rate. Mortgage rates and terms vary based on selected product, purpose and type, loan-to-value and credit score. Rates are subject to change until execution of an interest rate lock-in agreement. Subject to credit approval; not all borrowers qualify.  A 30-year term at 7.3% APR has an estimate monthly payment of $$69 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.

Fixed-Rate Mortgage Loans