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Whether you are buying your first home, moving to a bigger home, or downsizing, FORUM has mortgage (purchase & refinance) loans with low down payment options to fit your needs. FORUM makes it easy so you can get into your dream home sooner.  

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FastTrack Mortgage

Your dream home is an important milestone and FORUM is here to help with stress free home financing options and guidance. The FORUM FastTrack Mortgage is simple and rewarding. Buyers receive discounted closing costs and expedited document processing when a signed purchase agreement and loan documentation are submitted within four business days of the initial loan estimate.
  • No loan processing fee (savings of $695)
  • Discounted loan closing costs - .125% credit applied toward your loan closing costs (total amount saved varies by loan amount)
  • Expedited document processing

FHA Mortgage Loan

Whether you are a first-time homebuyer or a repeat buyer, a Federal Housing Administration (FHA) mortgage with a low down payment and a low interest rate may be the right solution for you. Our FHA mortgage offers a variety of benefits for buyers, especially those without large down payments or with credit challenges.
  • Down payments as low as 3.5%
  • Available in 30 and 15 year terms
  • Seller contribution up to 6% allowed

Homeownership Opportunities Program

The Homeownership Opportunities Program (HOP) is a grant to help eligible first-time homebuyers with a qualifying area median income to receive up to $8,000 in down payment and closing cost assistance. This initiative helps promote homeownership to strengthen communities and FORUM is proud to take an active role in this program. 
  • First-time homebuyers with household incomes at or below 80% AMI qualify
  • Homebuyer total housing debt may not exceed 35% of gross income
  • Up to $150 of HOP funds may be used to pay for required homebuyer counseling

HomeReady™ Mortgage

HomeReady™ is a flexible mortgage program offered in partnership with Fannie Mae and is available to borrowers who meet income limits defined by Fannie Mae for the location of the property being purchased.
  • Low down payment - 3% down payment minimum required
  • Non-traditional credit is allowed - such as rental housing payments, utility bill payments, school tuition payments, etc.
  • Flexible sources of funds allowable for the down payment and closing costs
  • Online homeownership course

Jumbo Mortgage

A FORUM Jumbo Mortgage is for homebuyers purchasing a home between the price of $510,400 - $850,000. This loan can be used for a purchase or a home refinance. Multiple property types are eligible, including single family, condominiums, and townhomes. 
  • Fixed and variable rate options
  • No prepayment penalties
  • Up to 90% loan to value with no PMI (mortgage insurance)

The FORUM Blend

The FORUM Blend is a home loan that allows borrowers to consolidate a 1st and 2nd mortgage, as well as additional debts, and/or receive additional cash-out of up to 90% loan to value. This program helps members reposition their higher interest rate debt into one simple monthly payment with a low rate.

FORUM flexBuyer

Want peace of mind while you shop? Our FORUM flex product allows you to lock in your rate for 180 days while you shop for a house. We provide a one-time float down option that allows you to re-lock at the lower available rate. After you’ve found your house, and you would like a different home loan product, you have the ability to flip from the initial locked loan to a different product at current market rates.

VA Mortgage

A VA Mortgage loan helps eligible veterans with home financing featuring:
  • Available to eligible veterans as defined by the Administrator of Veterans Affairs
  • No down payment required for purchase loan
  • Fixed rate and term options available
  • No mortgage insurance required
  • Income and sales price limits apply – talk with a Mortgage Advisor for details

Construction Loan

FORUM offers comprehensive construction loan financing featuring:
  • Low rates and low closing costs with as little as 5% down payment available
  • One-time closing and up-front rate lock
  • Initial approval in one day
  • 15% down Lot Loans
Use our Construction Loan Guide to learn more about construction loans. 



Talk to us

To apply for a mortgage or get answers to questions, call our Mortgage Specialists at 317-558-6420 or 866-367-8600 or email us at To receive helpful homeowner and mortgage information subscribe to our Mortgage Tips & Promos E-Newsletter
FORUM NMLS #469848
NMLS Registry Information for FORUM Credit Union Mortgage Loan Originators
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