Mortgage Loans

Personal mortgage services include:

• Adjustable- and Fixed-Rate Mortgage Loans
• Home Equity Lines of Credit and Loans

Mortgage Loans

Every home buyer's needs are unique. We offer a variety of mortgage solutions with various terms, down payments and interest rate options. Whether you're purchasing your first home or building your dream home, we have the mortgage to fit your needs. Plus, loan decisions are made locally, allowing us to personalize and simplify the entire mortgage process - from pre-qualification to closing.

The Power of Pre-Approval
For serious home buyers, we recommend a mortgage pre-approval. This service is based on your verified financial, employment and tax information as well as your individual credit score. A pre-approval provides you with valuable leverage when negotiating with sellers, builders and realtors.

It's fast and easy. Apply today!
(This link will take you to a third-party vendor web site.)

Refinancing
If you currently have a mortgage with a higher interest rate, consider refinancing to enjoy today's low rates. Refinancing can save you thousands of dollars in interest charges over the life of your loan. Contact a mortgage specialist to help determine if refinancing makes sense for your situation.

Conventional Financing
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

• Guaranteed fixed interest rate for the entire term of your loan, whether 10, 15, 20 or 30 years.
• Interest-only options are available.

Adjustable Rate Mortgage

• This type of mortgage offers rates that are set for 1, 3, 5 or 7 year periods.
• You have the assurance of yearly and lifetime rate caps.
• Interest-only options are available.

Jumbo Mortgage

• This mortgage is for qualified buyers who want to borrow more than $417,000.00.
• We can often tailor a mortgage to your unique situation.
• Jumbo mortgages are available with fixed or adjustable rates, and with no points.
• Interest-only options are available for this product.

Government-Assisted Financing
IHFA Mortgage (Indiana Housing Financial Authority)

• Geared toward the first-time homeowner, IHFA loans provide reduced-rate mortgages with as little as 3% d>
• More liberal qualification ratios are used than with conventional loans, and down payment assistance is provided to families of moderate to lower income levels.

FHA Insured Mortgage (Federal Housing Administration)

• For those with minimal savings, an FHA-insured mortgage can help in several ways.
• 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.
• There are no income limits, nor are FHA programs limited to first-time home buyers.

VA Mortgage (Veterans Administration)

• No down payment is needed for qualified veterans, surviving spouses and other military personnel to take advantage of this loan.