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100% Loan

Sunmark’s 100% Loan allows buyers the convenience of financing 100% of their mortgage in just one loan – with no down payment required! Instead, use your saved funds to pay off other debts or make home improvements. And don’t worry, with this option you can still close within the normal time frame!

  • No down payment required
  • 3% seller concession allowed
  • One Loan, one payment
  • Potentially lower payment than FHA
  • MI drops off once certain requirements are met, unlike FHA

80/20 Mortgage

Traditional mortgages of more than 80% Loan-to-Value (LTV) require private mortgage insurance, or PMI. Skip this added cost to your monthly payment by choosing Sunmark’s 80/20 loan and potentially lower your monthly payments! By combining the traditional 80% LTV mortgage and Sunmark’s HomeFlex100 product, PMI is no longer required.

  • No PMI
  • No escrow required
  • 3% seller concessions allowed
  • Potentially lower payment than FHA
  • No down payment required



Call us today at 866.SUNMARK to find out more about our 100% financing options and how we can help you save.

Based on credit approval. Some restrictions apply. Speak to a Sunmark representative for details.

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SIS Insurance & Financial Services (“SIS Insurance”) is an affiliate of Sunmark Credit Union. Business conducted with SIS Insurance is separate and distinct from any business conducted with the credit union.


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