Step into the home you’ve always imagined with an easy and straightforward loan. And, for a limited time, you can unlock $500 cash back when you apply using code WelcomeHome.
Rates as low as
6.875% (7.01% APR**)
What members are saying...
"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
"I'm deeply grateful for Everwise's programs, and the exceptional support. As a single mom who once felt everything was out of reach, I can confidently say, if I can do it, so can you!"
Brenda E.
Warsaw, IN
"I recently purchased a home through Everwise, and the exceptional friendliness of everyone I encountered made a lasting impression. Everything was handled with the highest level of professionalism and efficiency."
Jean W.
Mishawaka, IN
Ready to love your current home?
We also have options to help you pay for your home improvement projects. Borrow up to 90% of your home’s value through a line of credit, or a one-time deposit.
Know your budget to boost your buying power.
Get Pre-qualified
Get access to more opportunities by getting pre-qualified. This quick and easy process helps you set a realistic budget, and lets realtors and sellers know you're a qualified buyer.
Free mortgage resources for you.
Boost your mortgage know-how with these free and quick online modules covering everything from buying a home to refinancing and investing in property.
Getting a mortgage can feel overwhelming, so we’ve created a simple checklist to help first-time buyers through the process.
Want to boost your chances of mortgage approval? Here are some expert tips to help you get there.
Connect with a Mortgage Expert
Your local Everwise mortgage team is standing by and ready to help. Share your information to receive a personalized rate quote, get pre-qualified, or request guidance on the best mortgage option for you.
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.
* $500 cash back bonus is limited to the first 80 applicants who establish a new membership, enter code ‘WelcomeHome’ on their loan application, and close their mortgage on or before August 31, 2025. The bonus will be deposited into the Primary Savings account associated with the new, approved, and funded Everwise Credit Union mortgage loan. Excludes bridge loans, refinances, and home equities. Please allow up to 7 days post-closing for the bonus deposit to appear. All Everwise Credit Union loan programs, rates, terms, and conditions are subject to membership requirements and credit approval, and may change at any time without notice. Bonus is considered income. You may receive 1099-MISC or 1099-INT. $500 bonus offer ends when funds are exhausted, or on August 31, 2025.
** APR = Annual Percentage Rate. The rate shown is current as of 5/5/2025 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 $1,051.09.