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Conventional Mortgages

Are you looking for the security of a fixed rate and monthly payment? Make budgeting easier with a traditional fixed-rate mortgage. Because your rate is locked in for the entire term of your loan, you can have peace of mind knowing your payment will never increase.

  • 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 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 town homes located in Ohio, Michigan, Indiana, Kentucky, and West Virginia
  • Financing also available for vacation homes and investment properties

HomeReady Loans   

Have you been thinking about buying a home, but not quite sure if you qualify for a mortgage loan? With a TopMark Federal Credit Union 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 from a gift from a relative.

  • Fixed term of 15 or 30 years
  • Lower PMI or NO PMI options available (Private Mortgage Insurance)
  • Smaller down payment (as a little 3% down)
  • First-time home buyer course required 
  • Must be a First Time Home Buyer
  • Medium Income Requirements

FHA, VA, & USDA Loans
Additional Home Loan Options for You!

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 buyer and existing homeowners are eligible
  • 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 town homes located in Ohio, Michigan, Indiana, Kentucky, and West Virginia

Rural Development Loans

If you thought U.S. Department of Agriculture (USDA) loans were just for farmers – think again.   Program guidelines are very specific – but don’t let that stop you from achieving your homeownership goals. Many homes in Allen and Auglaize county meet the guidelines!  Our experienced USDA financing professional will help you navigate through the USDA loan process and determine if you are eligible. Visit 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

Eligible veterans, reservists, and Active Duty personnel and their eligible spouses with suitable credit, sufficient income and a valid Certificate of Eligibility (COE) can take advantage of 100% financing options with a VA Mortgage, guaranteed by the Department of Veterans Affairs. The property must be occupied by the veteran as their primary residence.

  • Finance options up to 100%, Zero Downh Payment
  • 15/30 Year Fixed Rate Term
  • Reduced Closing Cost

Learn more

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Local Servicing, Competitive Rates & it's EASY to Apply!
Call Michelle at 419-879-1500! 
NMLS #789673

TopMark NMLS #493620