First-Time Homebuyers

¹First‑time homebuyer mortgage options may be available to qualified borrowers with a minimum down payment of 3%, subject to credit approval and program eligibility. Loan terms, interest rates, annual percentage rates (APRs), fees, and monthly payments are based on borrower and property qualifications, including credit score, income, assets, loan‑to‑value ratio, occupancy, and other underwriting criteria. Depending on the loan program, mortgage insurance may be required, which increases the total cost of the loan. Monthly payments may include principal, interest, mortgage insurance, property taxes, homeowner’s insurance, and other escrow items. Not a commitment to lend. Membership eligibility required.

²Adjustable-Rate Mortgage (ARM) Disclosure: ARM interest rates are fixed for an initial period and may increase or decrease thereafter according to the loan terms. As a result, monthly principal and interest payments may increase or decrease after the initial fixed-rate period. ARM product descriptions identify the initial fixed-rate period and how often the interest rate may adjust thereafter. For example, a 5/6 ARM is fixed for 5 years and may adjust every 6 months thereafter; a 7/6 ARM is fixed for 7 years and may adjust every 6 months thereafter; a 10/6 ARM is fixed for 10 years and may adjust every 6 months thereafter; and a 5/1 ARM is fixed for 5 years and may adjust annually thereafter.

³Additional third-party closing costs will apply. Please speak to a Loan Officer for details.

⁴Additional third-party closing costs will apply. No-PMI option rate is 0.25% higher than Adjustable-Rate Mortgage rates published at wingscu.com/mortgage.

⁵40-year amortization available for first-time homebuyers’ new purchase on a 5/1 Adjustable-Rate Mortgage with a 5% minimum down payment. No-PMI option available with an additional rate add-on of 0.25%. Not available on jumbo loans. Membership with $5 Share Savings required before closing.