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POLAM Credit Union is proud to offer a First Time Buyers Program that will help you get on the property ladder.

We  offer mortgages up to 90% (LTV) Loan To Value, with no Private Mortgage Insurance,  meaning that with just a 10% down you can get financing for your first home at the same rate as we normally offer with 20% down. Become a member and enjoy the benefits of POLAM.

Terms and Conditions apply

*APR is Annual Percentage Rate. The First Mortgage Program has a variable rate which is based on the 11th district cost of funds.  Loan approval and rate are based on a verification of income, an evaluation of your creditworthiness, and property evaluations which include Loan-to-Value (LTV).  If you cancel your loan, third party fees may apply. Costs may include a non-refundable appraisal fee. Property insurance is required. Loan amounts up to $800,000. All loans and rates are subject to change.  The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs.  No additional discounts may be applied to these rates. 3.50%APR with 10% down applies to new purchase only, no refis. POLAM is an equal housing lender. For more information, call POLAM at (800) 404-5137.

For more information  call us at (800) 404 – 5137