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Routing #321180379

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Partner with a First Tech Mortgage Loan Officer for happier clients and more success

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Why First Tech

As a successful real estate agent, you know what it takes to earn your clients’ trust and get repeat business: exceptional service, attention to detail, and expertise they can count on. We can help ensure that the financing component of your transactions meet your high standards and your clients’ wide-ranging needs.

You need a partner that will close quickly and meet deadlines no matter the situation. First Tech has flexible down payment options for your clients and unique programs that can help them get into a new home. Like surprises? Neither do we. Get fast, consistent service from one of the largest, not-for-profit home loan lenders in the country. Your buyers expect the best from you and from us. Help offer them solutions that fit their lives and make you the hero. Solutions we can provide your clients include but aren’t limited to:

  • Quick close
  • Bridge loans available for non-contingent offers
  • First Time Home Buyer Program
  • Low to no down payment options 100% financing as a single loan with Private Mortgage Insurance (PMI) available. Program is limited to eligible property and products and loans are restricted to owner occupied purchase money only.

    100% financing as an 80/20 loan with no PMI available. 80/20 transactions are first and second mortgage originated simultaneously. First lien position lien equals 80% loan-to-value (LTV) ratio. Second lien position equals 20% LTV ratio. Certain property types are ineligible. Restrictions apply.

    97% LTV available for 15, 20, 30 year fixed-rate term.
  • Corporate Relocation ProgramProgram qualification subject to borrower receiving relocation benefits from employer. Loans up to $1.5M on single family residence and condos primary residence. As low as 5% down for domestic corporate relocation, and as low as 10% down for foreign national corporate relocation. Maximum debt-to-income ratios up to 50% with reserve requirements. Assumed FICO score up to 740 for foreign nationals with some restrictions. Reduced interest rates and lending fees available. Restrictions apply.
  • Non-permanent Resident ProgramLoans available up to 90% CLTV for borrowers with little to no established US credit. Assumed FICO score up to 740 for foreign nationals with some restrictions.
  • Conforming and jumbo loans including non-qualified mortgage products
  • 1st and 2nd mortgage combo loan options available 80/10/10 transactions are first and second mortgage originated simultaneously. First lien position equals 80% loan-to-value (LTV). Second lien position equals 10% value. Borrower down payment equals 10% LTV. Certain property types are ineligible. Restrictions apply.

    80/15/5 transactions are first and second mortgage originated simultaneously. First lien position equals 80% loan-to-value (LTV). Second lien position equals 15% value. Borrower down payment equals 5% LTV. Certain property types are ineligible. Restrictions apply.

Low to no down payment

Down payment

A First Tech Mortgage Loan Officer can help your clients get the right loan for their perfect home with little to no down payment.

Zero-down payment conventional financing

  • Reduced mortgage insurance
  • Conforming loan limits
Zero to low down payment options with no mortgage insurance
  • Conforming and jumbo programs
  • 80/20 combination loan (zero down)
  • 80/15 combination loan (5% down)
  • 80/10 combination loan (10% down)

HomeReady® 3% down conforming

  • Reduced mortgage insurance
  • Attractive pricing
  • Income limits apply

Relocation

Relocation

Your clients already have enough to think about when relocating.  Let us help relieve the financial stress.

Corporate Relocation

  • Loans up to $1.5M on single family residence and condo primary residence
  • As low as 5% down for domestic corporate relocation
  • As low as 10% down for foreign national corporate relocation
  • Maximum debt-to-income ratios up to 50% with reserve requirements
  • Assumed FICO score up to 740 for foreign nationals with some restrictions
  • Reduced interest rates and lending fees

Why they should use First Tech for their mortgage

  • Variety of mortgage loan programs including conforming, jumbo, portfolio, and non-QM
  • We consistently close purchase loans in 30 days or less
  • Provide a hassle-free pre-approval process

Lots and land

Lots and land

With the housing market inventory lower than ever, buyers are looking to build their dream homes from the ground up. And it all starts with the land. First Tech has flexible loan options for the lot they’ll one day call home.

  • No timeframe to build, when building a primary residence
  • Minimum 30% down
  • Maximum 15 year fixed
  • Lot sizes over 10 acres available
  • Only utilities typical for area are required
  • Outbuildings allowed

First Tech Federal Credit Union membership required and subject to approval.  All loan application are subject to credit and property approval.  Mortgage, property, and/or flood hazard insurance may be required.  Loan type, property type, and minimum/maximum loan amount are dependent on loan program chosen and are restricted to owner-occupied purchase money only.  APR may differ up to the time of closing, depending on loan characteristics and credit history.  Additional rates and programs are available and may change without notice.  Additional restrictions may apply.  Consult a tax adviser for information regarding deductibility of interest and changes.

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