Mortgages – New Year, New Home
Are you ready to ring in the new year with a new home?
Don’t have closing costs saved up?
Tired of Renting?
Our team of mortgage experts will guide you through the first-time home buying process, ensuring you have a stress-free experience. Best of all HOTFCU will pay 100% of closing costs when approved.
• Local decision-making by mortgage professionals
• A down payments as little as 5%*
• 30-year fixed term available
• Bilingual assistance offered
HOTFCU Membership required. *All loans subject to credit approval. Must finance with HOTFCU. ^Under certain circumstances, private mortgage insurance (PMI) and an escrow account for taxes and insurance is required. Other eligibility includes a credit score of 600 or greater, no bankruptcy in the previous 36 months, debt-to-income ratio not to exceed 42%, and loan-to-value ratio not to exceed 95%. Other credit and income qualifications will apply. Investment properties and Jumbo Loans are not eligible for this offer. Verifiable employment required and time on job required of 1 year plus. Real estate promotions can not be combined with any other offer. HOTFCU reserves the right to cancel or changes these promotions at any time. Please contact a representative for more details.