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The Home Buying Process from Start to Finish. 
Your road home begins here.

Let Michelle help you find the perfect loan. 
419-645-3109  

Getting pre-qualified is like getting an estimate from a lender, detailing how much of a loan you can likely afford. It serves more as a guide of what you may qualify for, rather than a conditional loan approval.
 

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 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

 

Home Ready Mortgage

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.

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


Additional Home Loan Options 


FHA LOAN

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


USDA

Rural Development Loans (USDA)

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 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 LOAN

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 Down Payment
  • 15/30 Year Fixed Rate Term
  • Reduced Closing Cost
 

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TopMark NMLS #493620
Michelle Boughan NMLS # 789673