Smart Start

Membership is required prior to loan funding. To learn more about opening a membership, click here.

*To qualify, a parent or guardian must cosign your mortgage and meet our standard credit and income requirements. You will receive a 0.25% reduction on the standard interest rate for the initial rate period of the adjustable-rate mortgage. Both the primary borrower and parent cosigner share responsibility for the loan, and the required documents must be completed and signed by both parties. However, the first-time homebuyer needs to qualify on their own for the loan. All provided information is subject to verification, and removing the parent cosigner will cancel the rate reduction. The mortgage will appear on the credit reports of both the primary borrower and the parent cosigner. We may change or discontinue this offer at any time.

A payment example for a 5-year Adjustable-Rate Mortgage (ARM) product with a 3% down payment.

• Purchase Price: $206,200
• Loan Amount: $200,000
• Interest Rate: 7.25%
• Annual Percentage Rate: 7.40% APR

Initial Fixed Period: Interest is fixed for the first 5 years, then adjusts periodically. This will result in 60 monthly principal and interest payments of $1,365. Please note that these payments do not include taxes or insurance. Actual payments may be higher.

This example is for illustrative purposes only and assumes a FICO score of 620 with 0 points. Actual terms may vary.

**Some restrictions may apply; please speak to a mortgage loan officer to learn more.