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Our story began over 90 years ago at Fox Tech High School, where ten teachers signed a charter to form San Antonio Teachers Credit Union.
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You rely on us to deliver a smart car buying experience. That’s why we’ve highlighted local Plus dealers.
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Mortgage Loans
Make Your Dream Home a Reality
Buying a home is a big deal, and we know the home buying process is different for everyone. Whether you are buying new or refinancing, our mortgage loan experts will be with you each step of the way to help find the right mortgage for you.
Visit our Home Buyers Checklist page for guidance on the home buying process.
Get Started with our Hassle-Free Mortgage Application
We have partnered with SWBC, a leader in the mortgage industry, to start your home buying process. At Firstmark we understand that a home is more than four walls and a roof. Now that you found that perfect house, let us help you make it your dream home with financing options just for you. Buying a new home can be complicated. Let our team of dedicated professionals help you navigate the challenges so you get the most for your dollar.
With TurnKey, powered by SWBC Mortgage, we have simplified the application process to streamline buying a home. You can upload required documents and connect with your financial institution without the tedious task of collecting, faxing and printing files. You can rest assured knowing that your documents are safe and secure with TurnKey. It’s so simple that you can complete a mortgage application with your mobile device or from your laptop.
Homebuying Concierge
Blend Realty Agent Matching Service
Blend Realty¹ is a member benefit that simplifies your homebuying journey. If you’re not yet working with a real estate agent, the Blend Realty Concierge can introduce you to top-performing agents in your area who specialize in your home type and the neighborhood you’re shopping. Eligible borrowers2 to receive up to .5% of the sales price after closing. (Example: $1,500 on a $300,000 home)! Contact the SWBC Mortgage Loan Officer for details.
Christie McCullough
Lending Partner with Firstmark Credit Union
Email: [email protected]
Direct: 817.464.8671
Toll-Free: 800.460.6990 x 66115
Fax: 877.308.8761
NMLS # 181815
Need a Little Flexibility? We Have An ARM Loan Just For You!
Our 5/6 Adjustable Rate Mortgage (ARM) loan might be right for you if you
- Don’t anticipate holding onto the property for the full term of the mortgage.
- May relocate in the near future.
- Plan to buy up for a growing family.
- Plan to buy down because you’re an empty nester.
With low rates and flexible terms, home ownership is within your reach.
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We are first-time homebuyers. Where should we start?
To get started, schedule a phone appointment with our Mortgage Loan Officer, to discuss your specific goals. We can explain the process, answer your questions, and help you come up with a plan.
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What is the minimum credit score requirement to qualify for a mortgage loan?
- 600 is the minimum credit score requirement.
- Credit scores pulled from three bureaus (TransUnion, Experian, and Equifax), and the middle score is used for qualification purposes.
- If a mortgage loan has more than one borrower, the lowest middle score for all borrowers on the loan will be used for qualification purposes.
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When should I engage a real estate agent?
You should get pre-qualified for a mortgage loan prior to setting up any realtor meetings.
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What should I be doing to prepare to purchase a home in the future?
It is recommended that members save money, keep debts low and avoid new credit inquiries if possible.
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What is needed to qualify for a mortgage loan?
To qualify for a mortgage loan, you must have enough household income to cover all your bills. Be prepared to provide paystubs, W-2’s, bank statements and possibly tax returns.
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Do student loans effect the home buying process?
Yes, student loan payments are included when calculating your debt to income ratio. In some cases, a payment amount will be created even if the current payment is $0.
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What is the current conventional loan limit?
The conventional loan limit is currently $726,200.
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What is the best way to repair credit?
The two biggest factors that affect credit scores are payment history and amounts owed. You can begin to repair your credit history if you focus on keeping up with these two factors by
- Making payments on time
- Keeping credit balances low
Calculate Your Payment
Use this calculator to compute the payment amount3 by adjusting the amount, rate and terms.
© 2020 First Mortgage services provided by our partner SWBC Mortgage Loans 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. SWBC Mortgage Corporation, NMLS #9741, (www.nmlsconsumeraccess.org) corporate office located at 9311 San Pedro Avenue, Suite 100, San Antonio, Texas 78216.
- The agent matching service is provided by Blend Brokerage, Inc. dba Blend Realty. Blend Realty is a licensed real estate brokerage (CA DRE #02101769; additional licenses) and will receive compensation in connection with the purchase and sale of real estate (see Terms of Use). Blend Realty and its agents are not affiliated with SWBC Mortgage Corporation or your Credit Union. Blend Realty is an Equal Housing Opportunity provider.
- Rebate gives up to .5% of the purchase price of the home back to the member at close for eligible members. Rewards are limited in some states. Not available in AK, AL, IA, KS, LA, MO, MS, OK, OR, or TN. See rebate terms.
The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.
Reach Out
Let’s Get Started
- Login or Enroll into Online Banking
- In the App, click “More” in the menu bar
- On desktop, click the three dots in the upper right hand corner
- Click “Skip-A-Pay” to start your skip
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To make this process as quick as possible, please have the following ready:
- Social Security Number
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No problem, click here.
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Let’s Get Started
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiaries:
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To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
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To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
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- Valid ID
- Requested Loan Amount
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To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Requested Loan Amount
Choose one of the following:
Let’s Get Started
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Requested Loan Amount
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Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
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- Phone Number
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- Valid ID
- Credit Limit
Choose one of the following:
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Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Requested Loan Amount
- Estimated Property Value
- Estimated Property Tax and Insurance Amount
- Existing Mortgage Information
Choose one of the following:
Let’s Get Started
Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Requested Loan Amount
- Estimated Property Value
- Estimated Property Tax and Insurance Amount
- Existing Mortgage Information
Choose one of the following: