Routing No: 322078383 | NMLSR ID# 421486 | DMV (ELT)# K29

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If a down payment is standing in the way of you buying a home, consider F&A’s Down Payment Minimizer (DPM) program*. With this unique loan option, all you need is 3% down to help you buy the home of your dreams. The best part? There’s no PMI (Private Mortgage Insurance) requirement.

Our DPM program combines the power of a 1st Mortgage Loan and a 2nd Mortgage Loan for your purchase and it can lower your down payment dramatically. For example:

Standard Loan:Purchase price: $580,00020% down payment amount = $116,000

DPM Program:Purchase price: $580,0003% down payment amount = $17,400• 1st mortgage loan at 80% of $580,000 = $464,00• 2nd mortgage loan at 17% of $580,000 = $98,600

To learn more about F&A's Down Payment Minimizer program, please visit our Mortgage Center or call us at 800-222-1226.

*Loan programs based on credit score of the primary borrower. Owner-occupied, principal single-family homes, condos, and townhomes in all 50 US states unless prohibited by law. 1st Trust Deed must be originated by the Credit Union. Other terms and conditions apply. All loans subject to credit approval and membership eligibility. NMLSR ID# 421486

We help our members reach their financial goals at every life stage by providing access to the highest value products, superior service, and trusted advice.

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