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  1. Home
  2. Mortgages

Mortgages

Finding the right loan for the right home. Compare our popular mortgages.

Most Popular

Fixed-Rate Mortgage

Overview

  • Interest rate and payments remain the same for the life of the loan
  • Available in terms of 5, 7, 10, 15, 20, and 30 years
  • Down payments as low as 5% of purchase price — including First Time Homebuyers

A Good Option If:

  • You want predictable monthly payments that will not change
  • You plan to stay in your home for several years
  • Trade-off: Interest rate is generally higher than an adjustable-rate mortgage

Read More

Get PreapprovedApply Now

Or Call 1-800-561-9433

Continue Existing Application

Fixed-Rate Mortgage Interest Rate  APR  Points  Monthly Payment Loan Term (Months)

Purchase Rates
30-Year Fixed 5.875% 5.913% -0.125 $1,774.61 360
20-Year Fixed 5.500% 5.550% -0.125 $2,063.66 240
15-Year Fixed 5.500% 5.564% -0.250 $2,451.25 180
See All Rates

Refinance Rates
30-Year Fixed 6.000% 6.039% 0.000 $1,798.65 360
20-Year Fixed 6.000% 6.051% -0.125 $2,149.29 240
15-Year Fixed 5.625% 5.689% -0.125 $2,471.20 180
See All Rates

Fixed Rates effective as of October 20, 2025.Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those listed.

Adjustable Rate Mortgage (ARM)

Overview

  • Interest rate and payments are fixed for a set period of time then adjust later
  • Available in 3/6, 5/6, 7/6 ARM terms with 30-year amortization terms, as well as 5/5 30-year, 5/5 15-year terms
  • Some options feature up to 90% financing and no Private Mortgage Insurance (PMI)
  • Low fees and closing costs

A Good Option If:

  • You want lower payments at the start of the loan
  • You are planning to own your home for a short period of time
  • Possibility of lower rates in the future
  • Trade-off: After the set rate period is over, the interest rate can increase depending on market conditions

 

Read More

Get PreapprovedApply Now

Or Call 1-800-561-9433

Continue Existing Application

Adjustable Rate Mortgage (ARM) Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment

Purchase Rates
5/5 ARM 30 Year 6.000% 6.039% 0.000
Months 1-60
$1,798.65
Months 61-360
$2,103.00
7/6 ARM 30 Year 6.125% 6.646% 0.000
Months 1-84
$1,822.83
Months 85-360
$2,195.00
5/6 ARM 30 Year 6.000% 6.715% 0.000
Months 1-60
$1,798.65
Months 61-360
$2,194.00
See All Rates

Refinance Rates
5/5 ARM 30 Year 6.500% 6.236% 0.000
Months 1-60
$1,896.20
Months 61-360
$2,103.00
7/6 ARM 30 Year 6.625% 6.903% 0.000
Months 1-84
$1,920.93
Months 85-360
$2,195.00
5/6 ARM 30 Year 6.500% 6.913% 0.000
Months 1-60
$1,896.20
Months 61-360
$2,194.00
See All Rates

Adjustable Rates effective as of October 20, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about ARM products with terms other than those listed.

The 5/5 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 5 years (60 payments). After the initial five-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial five-year period, your interest rate can increase or decrease every 5 years up to the 15th year at which the interest rate can increase or decrease annually based on the average yield of the 5-year treasury, plus our margin (2.25%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 61-360 is based on the current index plus the margin (fully indexed rate).

The 7/6 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 7 years (84 payments). After the initial seven-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial seven-year period, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 85-360 is based on the current index plus the margin (fully indexed rate).

The 3/6 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 3 years (36 payments). After the initial three-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial three-year period, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 37-360 is based on the current index plus the margin (fully indexed rate).

The 5/6 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 5 years (60 payments). After the initial five-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial five-year period, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 61-360 is based on the current index plus the margin (fully indexed rate).

First-Time Homebuyer Program

Overview

  • No Private Mortgage Insurance (PMI) required
  • Down payments as low as 5% of purchase price
  • Single-family loans up to $450,000
  • Fixed- and Adjustable-Rate options

A Good Option If:

  • You do not have a substantial down payment saved
  • You want to avoid the extra cost of PMI
  • You would benefit from extra help and advice throughout the mortgage process
  • Trade-off: Interest rate can be slightly higher than traditional fixed-rate and adjustable-rate options

Read More

Apply Now

Or Call 1-800-561-9433

Continue Existing Application

Fixed Rates

Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.375% 6.411% 0.000 $2,074.37 360
20-Year Fixed 5.875% 5.921% 0.000 $2,358.22 240
15-Year Fixed 5.750% 5.808% 0.000 $2,761.11 180

Adjustable Rates

Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 6.000% 6.035% 0.000
Months 1-60
$1,993.51
Months 61-360
$2,198.00
7/6 ARM 30 6.125% 6.642% 0.000
Months 1-84
$2,020.31
Months 85-360
$2,172.00

First Time Homebuyer Rates effective as of October 20, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 95% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on purchase price of $350,000, FICO® score of 780 or greater, 5% or more down payment, and loan amount of $332,500; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those listed.

Adjustable Rates effective as of October 20, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 95% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $350,000, FICO® score of 780 or greater, 5% or more down payment, and loan amount of $332,500; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about ARM products with terms other than those listed.

The 5/5 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 5 years (60 payments). After the initial five-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial five-year period, your interest rate can increase or decrease every 5 years up to the 15th year at which the interest rate can increase or decrease annually based on the average yield of the 5-year treasury, plus our margin (2.25%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 61-360 is based on the current index plus the margin (fully indexed rate).

The 7/6 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 7 years (84 payments). After the initial seven-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial seven-year period, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 85-360 is based on the current index plus the margin (fully indexed rate).

Refinance Your Mortgage

Overview

  • Pay off your existing mortgage and replace it with a new one, usually to secure a better interest rate or term
  • Refinance to fixed-rate mortgages or adjustable-rate loans
  • Low fees and closing costs

A Good Option If:

  • You want to free up some money in your budget by reducing your monthly mortgage payment
  • You want to shorten the term of your mortgage
  • Trade-off: The lowest rates usually carry some fees and closing costs

Read More

Apply Now

Or Call 1-800-561-9433

Continue Existing Application

Fixed Rates

Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.000% 6.039% 0.000 $1,798.65 360
20-Year Fixed 6.000% 6.051% -0.125 $2,149.29 240
15-Year Fixed 5.625% 5.689% -0.125 $2,471.20 180
See All Rates

Adjustable Rates

Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 Year 6.500% 6.236% 0.000
Months 1-60
$1,896.20
Months 61-360
$2,103.00
7/6 ARM 30 Year 6.625% 6.903% 0.000
Months 1-84
$1,920.93
Months 85-360
$2,195.00
5/6 ARM 30 Year 6.500% 6.913% 0.000
Months 1-60
$1,896.20
Months 61-360
$2,194.00
See All Rates

Fixed Rates effective as of October 20, 2025.Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those listed.

Adjustable Rates effective as of October 20, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about ARM products with terms other than those listed.

The 5/5 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 5 years (60 payments). After the initial five-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial five-year period, your interest rate can increase or decrease every 5 years up to the 15th year at which the interest rate can increase or decrease annually based on the average yield of the 5-year treasury, plus our margin (2.25%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 61-360 is based on the current index plus the margin (fully indexed rate).

The 7/6 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 7 years (84 payments). After the initial seven-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial seven-year period, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 85-360 is based on the current index plus the margin (fully indexed rate).

The 5/6 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 5 years (60 payments). After the initial five-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial five-year period, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 61-360 is based on the current index plus the margin (fully indexed rate).

The 3/6 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 3 years (36 payments). After the initial three-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial three-year period, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 37-360 is based on the current index plus the margin (fully indexed rate).

Jumbo Mortgage

Overview

  • A loan for when the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac
  • Available in a variety of terms, including fixed-rate and adjustable-rate loans
  • Covers purchase and refinance amounts up to $1 million
  • No PMI required

A Good Option If:

  • You want to avoid taking out two or more loans to finance a home purchase
  • Trade-off: Interest rate can be slightly higher than traditional home loan and credit requirements are rigorous

Read More

Apply Now

Or Call 1-800-561-9433

Continue Existing Application

Single-Close Construction Loan

Overview

  • As low as 10% down payment
  • Similar to a standard purchase or refinance except it involves determining future value.
  • During construction, you pay monthly interest-only payments based on what funds have been given to the builder
  • After the one-year construction term, the loan switches to permanent financing with the same interest rate
  • 12-month construction term with 90% Loan to Value (LTV) up to conforming limit, and 85% LTV up to $1,500,000

A Good Option If:

  • You like one-stop shopping and want one closing
  • You want to pay interest only during construction
  • Lot equity may be credited toward your down payment
  • Indiana and Owner-Occupancy only
  • No PMI Required

Read More

Get PreapprovedApply Now

Or Call 1-800-561-9433

Land Loan

Overview

  • Finance unimproved land for building your primary residence
  • Finance up to 80% of the lot value up to $400,000 maximum
  • 1-year maximum term

A Good Option If:

  • You are building a new home and need to finance the land it will be on
  • Trade-off: Requires 20% or higher down payment

Read More

Call to Apply
1-800-561-9433

FHA Loan

Overview

  • Government-backed loan
  • Fixed-rate loan

A Good Option If:

  • If you have less than perfect credit and don’t have enough for the standard 5-20% down payment
  • Trade-off: Rates are generally slightly higher than conventional loans

Read More

Apply Now

Or Call 1-800-561-9433

Continue Existing Application

FHA Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)

Purchase Rates
30-Year Fixed 5.500% 6.249% 0.000 $2,191.67 360
15-Year Fixed 5.250% 5.977% 0.000 $3,102.97 180

Refinance Rates
30-Year Fixed 5.500% 6.249% 0.000 $2,191.67 360
15-Year Fixed 5.250% 5.977% 0.000 $3,102.97 180

FHA Mortgage Rates effective as of October 20, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 96.5% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio, and other factors, and may be higher than those displayed here. Rates, closing costs, and points may vary by property location, loan type, and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, FICO® score of 780 or greater, and 3.5% or more down payment, and loan amount of $386,000; FHA mortgage insurance premium is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply.

FHA Mortgage Rates effective as of October 20, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 96.5% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a property value of $400,000, FICO® score of 780 or greater, and 3.5% or more equity, and loan amount of $386,000; FHA mortgage insurance premium is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply.

VA Loan

Overview

  • Mortgage guaranteed by the U.S. Department of Veterans Affairs (VA)
  • For American veterans, current military, reservists, and surviving spouses
  • No down payment or PMI required

A Good Option If:

  • You are serving or have served in the U.S. military and want to take advantage of a mortgage with no down payment

Read More

Apply Now

Or Call 1-800-561-9433

Continue Existing Application

VA Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)

Purchase Rates
30-Year Fixed 5.625% 5.839% 0.000 $2,302.63 360
15-Year Fixed 5.625% 5.987% 0.000 $3,294.93 180

Refinance Rates
30-Year Fixed 5.625% 5.840% 0.000 $2,072.36 360
15-Year Fixed 5.625% 5.990% 0.000 $2,965.43 180

VA Mortgage Rates effective as of October 20, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 100% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on purchase price and base loan amount of $400,000, FICO® score of 780 or greater, and 0% or more down payment; VA funding fee is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply.

VA Mortgage Rates effective as of October 20, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 90% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on property value of $400,000, FICO® score of 780 or greater, and 10% or more equity, and base loan amount of $360,000; VA funding fee is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply.

USDA Loan

Overview

  • Mortgage offered to rural property owners by the U.S. Department of Agriculture
  • No down payment required—you may finance up to 100% of the property value

A Good Option If:

  • You are purchasing a property in a rural area (as defined by the USDA)
  • You meet the income restrictions for your County

Read More

Apply Now

Or Call 1-800-561-9433

Continue Existing Application

USDA Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 5.500% 5.974% 0.000 $2,271.16 360

USDA Mortgage Rates effective as of October 19, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 100% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio, and other factors, and may be higher than those displayed here. Rates, closing costs, and points may vary by property location, loan type, and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on purchase price and base loan amount of $400,000, FICO® score of 780 or greater, and 0% or more down payment; USDA guarantee fee is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply.