TopMark Federal Credit Union

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Find the Right Mortgage for Your Homeownership Journey

At TopMark Federal Credit Union, we’re here to help make your dream of homeownership a reality. Whether you're buying your first home, upgrading to your next, or refinancing, we offer a wide range of mortgage solutions designed to fit your life and budget.

Choose from options including:

Conventional Loans
FHA Loans
VA Loans
HomeReady® Mortgages
And more

We understand that every member’s financial situation is unique. That’s why we go beyond traditional lending—we think creatively to find the right financing solution just for you. Our goal is to remove obstacles and make the mortgage process smooth, stress-free, and even exciting.

Personal Support Every Step of the Way

Buying a home doesn't have to feel overwhelming. Our experienced mortgage team is here to guide you through each step with personal attention, expert advice, and the resources you need to feel confident and informed. Let’s make your homeownership goals a reality—together.

Conventional Mortgages

Fixed terms of 10, 15, 20, and 30 years
Down payment requirements of 3% (for first-time home buyers).
5% minimum down payment options
Refinancing is available, including cash out, so you can access your home's equity for remodeling projects, debt consolidation, and life's other expenses
First-time home buyer programs
Lender-paid PMI options available*
Available for owner-occupied single-family homes, condominiums, and townhomes located in Ohio, Michigan, Indiana, Kentucky, and West Virginia
Financing is also available for vacation homes and investment properties

HomeReady^® Mortgage

Have you been thinking about buying a home, but are not quite sure if you qualify for a mortgage loan? With a TopMark HomeReady^® Mortgage, we’ll help you buy a home, hold onto savings, and save money throughout the life of your loan, with as little as 3% down. And unlike other home loans, your down payment and closing costs can be funded by a gift from a relative.

$500 Cash Reward after the 60th on-time mortgage payment.
Lower PMI or NO PMI options available (Private Mortgage Insurance)
Smaller down payment (as little as 3% down)
Helps First-Time and Repeat Homebuyers obtain Home Ownership
You can include non-occupied co-borrower income.

FHA Loans

With an FHA loan, the minimum down payment is a low 3.50% of the purchase price, making this an affordable option for those wanting to purchase or refinance a home with little cash down.

Minimum down payment of 3.5%
Available in 15 or 30-year fixed terms
Available for purchase or refinance
First-time home buyers and existing homeowners are eligible
The maximum loan amount is $ 294,515
FHA loans do require an upfront mortgage insurance premium, unlike other conventional loans, but the amount of the premium may be financed into the loan
Available for owner-occupied single-family homes, condominiums, and townhomes located in Ohio, Michigan, Indiana, Kentucky, and West Virginia

Rural Development Loans (USDA)

Think USDA loans are just for farmers? Think again! The U.S. Department of Agriculture (USDA) Home Loan Program offers a powerful opportunity for qualified buyers to purchase a home with no down payment, and it's not limited to rural properties.

In fact, many homes in Allen and Auglaize counties meet the USDA eligibility guidelines!

While the program requirements are specific, our experienced mortgage team is here to guide you every step of the way. We’ll help you understand the qualifications, explore your options, and determine if a USDA loan is the right fit for you. Let’s make homeownership possible—without the barriers

Visit www.usda.gov to see if your potential home qualifies!

100% mortgage LTV based on the APPRAISED value
Zero down payment, and there is no minimum contribution required
30-year fixed rate only
Low Interest rates
Flexible Credit Guidelines
Not limited to first-time homebuyers

VA Loans

We proudly support our nation's heroes by offering VA Home Loans with 100% financing—no down payment required. To qualify, borrowers must have a valid Certificate of Eligibility (COE)

Finance options up to 100%, Zero Down Payment
15/30 Year Fixed Rate Term
Reduced Closing Cost
Available to eligible veterans, active-duty service members, reservists, and qualified surviving spouses.
Primary residence of the veteran or eligible borrower.