TopMark Federal Credit Union

Let us help you find the perfect loan!

We pride ourselves on our ability to think creatively and think outside the box to find innovative ways to overcome even the most daunting financial obstacles, allowing you to secure the home of your dreams without the stress and anxiety that often accompanies the home buying process. At the end of the day, our mission is simple: to make home ownership an achievable and enjoyable experience for everyone who walks through our doors.

At TopMark FCU, we are deeply committed to making the dream of home ownership a reality for everyone, regardless of their financial circumstances. We recognize that the process of buying a home can be incredibly stressful and overwhelming, which is why we go above and beyond to provide personalized support and guidance every step of the way.

Whether you're a first-time buyer navigating the complexities of the real estate market for the first time, or an existing homeowner looking to upgrade to a larger property, we have loan products and programs to choose from – including conventional mortgages, FHA loans, VA loans, HomeReady^®, and more.

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 also available for vacation homes and investment properties

HomeReady^® Mortgage

Have you been thinking about buying a home, but 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 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)

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 counties 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 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.