No two homebuyers are the same. That's why Bellwether offers a variety of mortgage solutions designed to fit your goals, budget, and timeline.
Whether you're purchasing your first home or your forever home, we'll help you find the financing option that works best for you.
🏠 First-Time Homebuyer Programs
Get into your first home with programs that may offer low down payment requirements and flexible qualification options.
📈 Fixed-Rate Mortgages
Enjoy predictable monthly payments and a stable interest rate for the life of your loan.
🔄 Adjustable-Rate Mortgages (ARMs)
Benefit from lower initial rates and payments that may help make homeownership more affordable.
🏛️ Government-Backed Loans
Explore FHA, VA, and USDA mortgage options designed to help qualified borrowers achieve homeownership.
Bellwether's first-time homebuyer programs can help make homeownership more attainable with low down payment options and specialized guidance throughout the process.
Whether you're just starting your search or ready to make an offer, we're here to help.
Let's talk about your homeownership goals and find the mortgage option that's right for you.
To qualify for the maximum $750 closing cost credit, before closing documents are prepared, you must (1) have or open a Bellwether Live Free checking account and (2) finish your direct deposit set up through ClickSWITCH. Direct deposit of a minimum of $1,000 monthly is required. Offer may be discontinued at any time. Offer is valid for new purchases only and not valid on refinances. Excludes No Closing Cost loan products. Mortgage approval is based on credit qualifications. Cannot be combined with any other mortgage discount or offer. Terms and conditions apply.
Fixed Rate: *Loan approval, interest rate, and down payment required based on creditworthiness amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and flood insurance may be required. Other fees may be assessed, as applicable.
"What are Discount Points? Points are fees you pay at closing to 'buy down' your interest rate. When you purchase points, you may pay more upfront, but you receive a lower interest rate. Points are calculated in relation to the loan amount. Each point costs you 1% of the loan amount. For example, one point on a $200,000 mortgage would cost you $2,000.
Payment examples quoted for a mortgage loan of $200,000. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
All rates and Annual Percentage Rates (APR) subject to change without notice. Annual Percentage Rates (APRs) are based on current pricing and are subject to change at any time without notice. Rates are based on a 730+ fico score, 80% loan to value, for a single-family owner occupied primary residence. Please call 1-603-645-8181 for more information.
Adjustable Rate: Loan approval, interest rate, and down payment required based on creditworthiness amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and flood insurance may be required. Other fees may be assessed, as applicable.
The index for all Adjustable Rate Mortgages is the weekly average of the U.S. Treasury securities for the applicable term. The interest rate on the ARMs will adjust periodically and that may result in an increase of the interest rate after closing. Rates, terms, and conditions are subject to change.
The Seasonal Home 5/1 ARM offers a fixed rate for 5 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 3.50 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.
The 5/1 ARM offers a fixed rate for 5 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.
The Easy Start 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap.
The 7/1 ARM offers a fixed rate for 7 years and adjusts to a 1- year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.
The 10/1 ARM offers a fixed rate for 10 years and adjusts to a 1- year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.
For 1 - 4 family owner-occupied residence, condo and one-unit second homes.
Caps
5/1 ARM CMT = 2/2/6
7/1 and 10/1 ARM CMT = 5/2/5
5/5 ARM CMT = 2/2/5
Index: One Year US Treasury Bill. As of 5/29/2026: 3.80, Margin: 2.75%, Your rate will be rounded up to the nearest eighth. This applies to the 5/1, Construction 5/1, 7/1 and 10/1 products.
Index: One Year US Treasury Bill. As of 5/29/2026: 3.80, Margin: 3.5%, Your rate will be rounded up to the nearest eighth. This applies to the Seasonal Home.
Index: Five Year US Treasury Bill. As of 5/29/2026: 4.16, Margin: 2.50%, Your rate will be rounded up to the nearest eighth. This applies to the 5/5 and Easy Start products.
Fixed Rate: *Loan approval, interest rate, and down payment required based on creditworthiness amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and flood insurance may be required. Other fees may be assessed, as applicable.
"What are Discount Points? Points are fees you pay at closing to 'buy down' your interest rate. When you purchase points, you may pay more upfront, but you receive a lower interest rate. Points are calculated in relation to the loan amount. Each point costs you 1% of the loan amount. For example, one point on a $200,000 mortgage would cost you $2,000.
Payment examples quoted for a mortgage loan of $200,000. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
All rates and Annual Percentage Rates (APR) subject to change without notice. Annual Percentage Rates (APRs) are based on current pricing and are subject to change at any time without notice. Rates are based on a 730+ fico score, 80% loan to value, for a single-family owner occupied primary residence. Please call 1-603-645-8181 for more information.
Adjustable Rate: Loan approval, interest rate, and down payment required based on creditworthiness amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and flood insurance may be required. Other fees may be assessed, as applicable.
The index for all Adjustable Rate Mortgages is the weekly average of the U.S. Treasury securities for the applicable term. The interest rate on the ARMs will adjust periodically and that may result in an increase of the interest rate after closing. Rates, terms, and conditions are subject to change.
The Seasonal Home 5/1 ARM offers a fixed rate for 5 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 3.50 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.
The 5/1 ARM offers a fixed rate for 5 years and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.
The Easy Start 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap.
The 7/1 ARM offers a fixed rate for 7 years and adjusts to a 1- year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.
The 10/1 ARM offers a fixed rate for 10 years and adjusts to a 1- year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1 year U.S. Treasury, plus a margin of 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.
For 1 - 4 family owner-occupied residence, condo and one-unit second homes.
Caps
5/1 ARM CMT = 2/2/6
7/1 and 10/1 ARM CMT = 5/2/5
5/5 ARM CMT = 2/2/5
Index: One Year US Treasury Bill. As of 5/29/2026: 3.80, Margin: 2.75%, Your rate will be rounded up to the nearest eighth. This applies to the 5/1, Construction 5/1, 7/1 and 10/1 products.
Index: One Year US Treasury Bill. As of 5/29/2026: 3.80, Margin: 3.5%, Your rate will be rounded up to the nearest eighth. This applies to the Seasonal Home.
Index: Five Year US Treasury Bill. As of 5/29/2026: 4.16, Margin: 2.50%, Your rate will be rounded up to the nearest eighth. This applies to the 5/5 and Easy Start products.
Rates up to 4× the national average.
You benefit, not Wall Street.
Per year over the big banks. It adds
up.
Plus 6,700+ shared branches.
Everywhere you go.
NCUA-insured up to $250,000. As
safe as anywhere.
Score tracking and guidance.
Included. Always.
We're a real credit union: branches, real people, 100+ years in your community.
*APY = Annual Percentage Yield. As of May 19, 2026, the FDIC National Deposit Rate for savings accounts shows a national average APY of 0.38 %. Results may vary. Our Emergency Savings account’s APY of 1.75 % is 4.6× higher than the national average. $5.00 minimum to open a savings account. Balance earns a premium rate from the first penny deposited, equal to the highest tier on our money market savings accounts on full balance up to $500. Any amount above that limit earns our standard savings rate of 0.01% APY. Fees may reduce earnings. Rates are subject to change. Savings amount of $603 per Bellwether member household is an estimation calculated by America’s Credit Unions for a Member Benefits Report. Assumes 2.1 credit union members per household.
