Find the right home loan for you.

Explore competitive rates, estimate your payment, or get matched with the loan that fits your goals.

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Rates

Today's mortgage rate

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Mortgage Rates
30 Year Conventional Fixed
Rate
6.625%
APR
6.708% APR
Rate type
Fixed

* APR = Annual Percentage Rate. The rate shown is current as of 5/26/2026 and is our best rate offered for a 30-year conventional fixed-rate mortgage purchase with 25% down. Rates and terms vary depending on loan to value ratio, credit evaluation and underwriting requirements. Private Mortgage Insurance, flood and/or property hazard insurance may be required. Payment examples do not include taxes and insurance premiums. Payment Example for informational purposes only: Based on a 30-year conventional fixed-rate mortgage for a $200,000 home purchase with $150,000 financed after $50,000 (25%) down payment the monthly payment for the APR shown would be approximately $960.47.

Your local path to owning a home.

Where would you like to start?

Buying my first home

Feeling excited but unsure where to start? Get guidance, tools, and loan options designed for first-time buyers.

See what I can afford

Estimate payments and understand your budget before you shop.

Get prequalified

A prequalification letter shows sellers you’re a serious buyer. 

Start my application

Begin your secure application and move forward with review, approval, and closing.

Find the right mortgage for you.

Not sure where to start? Answer a few quick questions and we’ll point you toward the right mortgage.

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Explore our mortgage solutions.

Standard options

Conventional Fixed-Rate Mortgage

Best for: Predictable payments

Lock in your rate and keep the same monthly payment for the life of your loan.

  • Great if you plan to stay long-term.
  • Multiple term options
  • Peace of mind from market volatility
Apply now

Adjustable-Rate Mortgage (ARM)

Best for: Lower up-front payments

Start with a lower fixed rate for an introductory period. After that, your rate adjusts with the market.

  • Ideal for shorter stays
  • More buying power early on
  • Rate caps provide protection on the annual and lifetime increase.
Apply now

Bridge Loans

Best for: Buying before selling

Need to move before your current home sells? Bridge the gap and secure your new home without rushing your sale.

  • Competitive short-term financing
  • Move on your timeline.
Apply now

Specialty options

First-Time Homebuyer Loan

Best for:  Getting started

Programs with low down payment options; some as little as 3%.

Apply now

Specialty Loans Programs

Best for:  Those who serve and unique borrowers

Options for physicians, first responders, community heroes, and even borrowers with unique financial situations. 

  • Flexible qualifications
  • Flexible loan options for borrowers with unique situations
Apply now

Government-Backed Loans

Best for:  Veterans and rural homebuyers

Affordable home loan options backed by the federal government, designed to make homeownership more accessible. Includes FHA, VA, and USDA mortgage loans.

  • Lower down payment requirements
  • Flexible credit and income qualifying
Apply now

Equity and financing

Mortgage Refinance

Best for:  Optimizing your mortgage

You may be able to adjust your payment, change your loan term, or access your home equity.

Refinance now

Home Equity Loan

Best for: One-time expenses with predictable payments

  • Fixed rate for stability
  • Set repayment timeline
  • Ideal for major projects or consolidation
  • Borrow up to 90% of a home's value 2
  • Learn more about your options.
Apply for a home equity loan

Construction & Renovation Loans

Best for: Building or fixing up your dream home

Finance your build with a short-term loan that converts to a permanent mortgage once construction is complete.

  • One loan from start to finish.
  • Flexible financing for materials and labor.
Apply now

Let's talk.

Buying a home comes with a lot of questions. Our experienced professionals are here to help you understand your options, navigate the process, and move forward with confidence—at your pace.

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Check the status of my application

Finish or Check Status Mortgage Support Center

I just wanted to let someone at Everwise know how amazing Sheryll Enright has been throughout my mortgage journey. Very responsive, and always willing to help me or find the correct person at Everwise to help me. Customer service of this quality is hard to come by nowadays, so I wanted Sheryll to be recognized for her great work.

-Casey B.
Member Adam posing in front of newly purchased home

The level of dedication and service is exactly why I continue to bank with Everwise. I was especially impressed with the speed and professionalism throughout my recent experience purchasing my home—I truly could not ask for better!

-Adam F., Plymouth, IN
Mortgage insights

Confidence starts with research

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Home Buying

How much house can I afford?

Owning a home is about having a place to call your own. But in a market with changing rates and prices, the financial side can feel heavy. You might find a house you love, plug the numbers into a calculator, and see a monthly payment figure. But does that number tell the whole story?

First-time home buyer checklist – Indiana & Michigan
Home Buying

First-time home buyer checklist – Indiana & Michigan

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Comparison

Choosing the right mortgage partner in Indiana and Michigan

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Home Buying

What first-time home buyer programs are available in Indiana?

Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.