Buyer Savings Details
Explore low monthly payment options!*
*All loans subject to credit approval and membership eligibility. Offer applies to purchase transactions only for the 10/10 ARM product. Valid for Primary and Second homes. Loan amounts up to $3,000,000.00.
As little as 3% down payment available. No rate buydowns permitted. Rates, terms, and conditions subject to change without notice. Annual Percentage Rate (APR) based on individual credit qualifications, loan
amount, and loan-to-value (LTV). APR may increase after consummation. Gesa Credit Union NMLS 402395.
Example Payment (for illustration only): For a $300,000 loan with a 30-year term on a 10/10 ARM at an initial interest rate of 4.99% (5.764% APR, including 1% origination fee) based on the 10-Year Treasury index
(4.05% as of 10/2025) plus 0.94% margin (first 10 years), then 2.75% margin at the 10-year reset: Months 1–120: Estimated principal & interest $1,607.76 at 4.99% (initial fixed period). Months 121–360: Estimated
principal & interest $2,005.87 at the fully indexed rate of 6.80% (index + 2.75% margin; rate/payment may adjust every 120 months thereafter, subject to a floor of 4.99% and a cap of 5% over start rate).
Payments do not include taxes or insurance; your actual payment will be higher.
*Contact listing agent or open house site agent for full terms, conditions and details; savings offer subject to change without notice. Not all homes qualify for the up to $15,000 savings opportunity, see brochure for available savings per each move-in ready house and per each neighborhood. Savings available as a trusted lender incentive with $2,000 credit from trusted lender and balance of credit from seller. Seller credit not to exceed allowable interested party contribution limits as determined by buyer’s financing program. Seller credit shall be applied to Buyer’s Loan(s) and settlement costs, including prepaids, loan discount, loan fee, interest rate buy down, financing, closing or other costs allowed by lender. Savings Valid 3/20/26 – 5/31/26. Savings valid on all active and available spec homes. Not a commitment to lend.
This 5.375%* (6.271% APR) interest rate does not constitute a commitment to lend or the guarantee of a specified interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting, and property approval. Programs, rates, terms and conditions are subject to change without notice. Information current as of 5/22/2026. *Estimate based on current average 30-year fixed FHA rate of 6.180%, Conventional 30-year rate of 6.650%, and VA 30-year rate of 6.200%. Annual Percentage Rate (APR) calculated on $392,755 FHA, $380,000 Conventional, $408,600 VA loan amounts. Payment does not include mortgage insurance, property taxes, and homeowners insurance, which will result in a higher payment.
