No Points, No Closing Costs Mortgage

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Rest easy this summer.

At Members First, we don’t want the upfront costs associated with a mortgage to keep you from owning the home of your dreams. That’s why we developed the No Points, No Closing Costs Mortgage.*

For a limited time, apply for any new mortgage or refinance an existing mortgage from another financial institution and we'll give you a $100 Visa Gift Card** to spend however you'd like!

If you have any questions or would prefer to complete a printed application, please contact a mortgage representative by email or phone at (800) 860-3832 or (603) 622-8781, ext 770.

The Fine Print

*An appraisal fee of $450.00 will be collected upon credit approval and reimbursed at the time of closing. No Closing Costs are incurred on Fixed Rate First Mortgage Loans with the following requirements: (1) No Closing Cost program is selected at application; the rate for this product is higher than the traditional rate. (2) Loan amount is $100,000.00 or greater. (3) Property is a Single-Family Primary Residence or Second Home. (4) All Borrowers have a credit score of 680 or better on 2 out of 3 credit bureaus. (5) Home is not listed for sale. (6) Member has a Checking account and selects auto-transfer from a Members First account as a payment method. (7) Maximum Debt-to-Income ratio of 43%. (8) Loan meets investor requirements for Loan-to-Value, Mortgage Insurance approval if required, credit profile, appraisal, and title. Offer subject to change at any time.

**Apply for any of our mortgage programs by 9.21.17 to receive a $100 Visa gift card at closing. One gift card per new or refinanced mortgage from another financial institution.