- Steady monthly payments for the life of your loan
- Flexible terms to meet your needs
Mortgage Options
Homes come in all styles and sizes. So do our home loans.
Whether you're purchasing a home or refinancing your current mortgage, you'll find plenty of options at Everwise. We can help you choose one that makes sense for your current finances and future plans.
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Conventional Fixed-Rate Mortgage
Rock-solid rates mean no unpleasant surprises.
Adjustable-Rate Mortgage (ARM)
Lower initial rates give you some breathing room.
- Enjoy smaller monthly payments for the initial period
- Use extra cash for remodeling, furniture or to build savings
First-Time Homebuyer Loans
Lower down payments can make all the difference.
- Put as little as 3% down
- Qualified borrowers can use gift funds for down payment
Construction Loans
A one-of-a-kind loan for your unique home.
- Short-term loan for building materials and labor
- Converts to regular mortgage when work is finished
Bridge Loans
Buy some extra time in the selling-buying process.
- Allows you to close on your next home before your current home sells
- Fast loan turnaround time
Special Loan Programs
Financial advantages for veterans, first responders, and others.
- Reduced down payments and closing costs
- Flexible credit standards
Feel right at home
Our friendly lending team will offer a guiding hand throughout the mortgage process.
Lower interest charges can save you a bundle over the long run. Find your mortgage rate quote now!
Remodel your loan
Many of our mortgages feature refinancing options that can work to your advantage.
Disclosures
All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Subject to Membership requirements.
* APR = Annual Percentage Rate. The rate shown is current as of 11/20/2024 and is our best rate offered for a 30-year conventional fixed-rate mortgage purchase with 20% down. Rates and terms vary depending on loan to value ratio, credit evaluation and underwriting requirements. PMI=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 $160,000 financed after $40,000 (20%) down payment the monthly payment for the APR shown would be approximately $1,064.48.