Mortgages

Mortgages Designed for You

We have the mortgage to fit your unique needs, and your local loan expert will take the time to personally discuss all of your options. From down-payment assistance to jumbo mortgages, count on us to make the mortgage process simple and straightforward.

Flexible Financing Options:

• Pre-Approvals
• Refinancing
• First-Time Home Buyers
• Fixed or Adjustable Rate Mortgages
• Jumbo Mortgages
• Construction Loans
• Federal Housing Administration Insured Mortgages (FHA)
• Veterans Administration Mortgages (VA)
• USDA Rural Housing
• IHCDA Indiana Housing
• Home Equity Lines of Credit and Loans

Closing and beyond

Of course, as your community bankers, we’ll be right beside you at closing. But you can also turn to us after you’re done, for home equity loans, insurance, and everything else you might need to make your house a home. Just ask!

For more information, call us at 1.800.755.2491 or contact us.

Pre-Approval

The Power of Pre-Approval

Hunt for your next home with confidence thanks to our FREE mortgage pre-approval program. For serious home buyers, we recommend a pre-approval because it gives you valuable leverage when negotiating with sellers, builders, and realtors. You’ll save time and frustration, too, by limiting your search to homes that would be right for you.

This service is based on your validated financial, employment and tax information as well as your individual credit score. It's fast and easy. Apply today! 

For more information, call us at 1.800.755.2491 or contact us.

Conventional Options

Conventional Financing

Your local mortgage expert can help determine which loan is right for you, how much home you can afford, and what you'll need for loan approval. Take the first step and contact us!

First-Time Home Buyers

We offer lending products to meet first-time home buyer and newly single mortgage needs. Grant funds are available periodically through our partnership with the Federal Home Loan Bank of Indianapolis.

Fixed Rate Mortgage

This mortgage offers a guaranteed fixed interest rate for the life of your loan, meaning the amount you owe each month will not change.

• Loans up to $417,000
• A variety of terms
• 5% minimum down payment (20% for investment properties)

Adjustable Rate Mortgage

This loan offers a lower initial interest rate than most fixed rate loans, but the interest rate can change periodically. You have the assurance of yearly and lifetime rate caps. 

• Loans up to $417,000
• A variety of terms 
• 5% minimum down payment (20% for investment properties)

Jumbo Mortgage

These loans are perfect for luxury residences that require loan amounts above traditional limits.

• This mortgage is for qualified buyers who want to borrow more than $417,000.
• We can often tailor a mortgage to your unique situation.
• Jumbo mortgages are available with fixed or adjustable rates, and with no points.
• 10% minimum down payment

Construction Loans

Building a home? We work with builders and buyers to help make the construction loan process smooth and efficient. Whether your project is big or small, we’d love to serve you - just ask for more information. 

For more information, call us at 1.800.755.2491 or contact us.

Government Programs

Government Programs

We're proud to offer multiple government programs that could help you qualify for a loan, offer down-payment assistance, or reduce your interest rate.

FHA Insured Mortgage (Federal Housing Administration)

Because this loan is insured by the government, credit history requirements may be more relaxed and rates may be lower than a traditional mortgage. Down-payment requirements are also lower than a traditional loan.

• 3.5% minimum down payment
• The seller can assist with closing costs, a portion can be factored into the loan, and down-payment money can be gifted by a relative.
• No income limits
• Not limited to first-time home buyers.
• Click here to learn more.

Indiana Housing Program Loan

This program offers below-market interest rates to income-eligible first-time homebuyers.

• As little as 3% down
• Down-payment assistance is provided to families of moderate to lower income levels.
• More liberal qualification ratios are used than with conventional loans.
• Fixed rate
• Ask us about other state programs that might be right for you!
• Click here to learn more.

USDA Rural Housing

This loan is designed to help low- to middle-income households buy, build, or repair homes in rural areas.

• No down payment required - 100% financing available
• Flexible qualifying guidelines 
• Click here to learn more.

VA Mortgage (Veterans Administration)

This loan is for eligible veterans and may offer more favorable terms than other loan options.

• No down payment is needed for qualified veterans, surviving spouses and other military personnel.
• 100% financing available
• Seller contributions allowed
• Click here to learn more.

For more information, call us at 1.800.755.2491 or contact us.

Refinance

Take advantage of today's low rates

Did you know that today's interest rates are at near-historic lows? If you currently have a mortgage with a higher interest rate, consider refinancing to enjoy today's low rates. We’ll help you determine how much you can save, and we’ll make closing a breeze. Contact us to determine if refinancing makes sense for your situation.

• Save thousands of dollars over the life of your loan!
• Lower your monthly payment
• Shorten the term of your loan
• Work with local professionals you can trust
• Apply online 24/7
• For more information, call us at 1.800.755.2491 or contact us.

Home Equity

Home Equity Loans and Lines

We offer homeowners great options with Home Equity Lines of Credit and Home Equity Loans. Which option is right for you?

Line of Credit

A line of credit, tied to the equity in your home, provides ongoing access to funds. Monthly payments vary based upon the amount of line usage advanced. A Home Equity Line of Credit may be right for you if you want access to your money over a period of time.

• Competitive rates
• Secured by the equity in your home
• Available line is based upon a percentage of your LTV (loan-to-value) for qualified borrowers
• Monthly payments are based upon your usage
• Available all at once or in increments, right away or at a later date
• Interest may be tax deductible (consult your tax advisor)

Loan

A lump sum loan, based on your home's equity, with a set monthly payment. A Home Equity Loan may be right for you if you prefer the stability of a fixed rate loan with a set monthly payment over a fixed term. With a Home Equity Loan, you get the entire amount up front, which is good for large single investments or expenses.

• Competitive fixed rates
• Secured by the equity in your home
• Loan amount is based upon a percentage of your LTV (loan-to-value) for qualified borrowers
• Distributed in one lump sum
• Payment options with a variety of terms
• Interest may be tax deductible (consult your tax advisor)

For more information, call us at 1.800.755.2491 or contact us.