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 View Rates 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 Compare Fixed-Rate Mortgage Interest Rate APR Points Monthly Payment Loan Term (Months) Purchase Rates 30-Year Fixed 6.750% 6.790% -0.375 $1,945.79 360 20-Year Fixed 6.875% 6.928% 0.000 $2,303.44 240 15-Year Fixed 6.375% 6.440% -0.250 $2,592.75 180 See All Rates Refinance Rates 30-Year Fixed 6.875% 6.916% 0.000 $1,970.79 360 20-Year Fixed 7.000% 7.053% 0.000 $2,325.90 240 15-Year Fixed 6.500% 6.566% 0.000 $2,613.32 180 See All Rates Fixed Rates effective as of October 30, 2024.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 View Rates 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 Compare Adjustable Rate Mortgage (ARM) Interest Rate APR Points Initial Monthly Payment Maximum Monthly Payment Purchase Rates 5/5 ARM 30 Year 6.875% 6.539% 0.000 Months 1-60 $1,970.79 Months 61-360 $2,248.00 7/6 ARM 30 Year 7.500% 7.715% 0.000 Months 1-84 $2,097.64 Months 85-360 $2,413.00 5/6 ARM 30 Year 6.875% 7.503% 0.000 Months 1-60 $1,970.79 Months 61-360 $2,313.00 See All Rates Refinance Rates 5/5 ARM 30 Year 7.375% 6.744% 0.000 Months 1-60 $2,072.03 Months 61-360 $2,248.00 7/6 ARM 30 Year 8.000% 7.987% 0.000 Months 1-84 $2,201.29 Months 85-360 $2,413.00 5/6 ARM 30 Year 7.375% 7.709% 0.000 Months 1-60 $2,072.03 Months 61-360 $2,313.00 See All Rates Adjustable Rates effective as of October 30, 2024. 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 View Rates 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 Compare Fixed Rates Interest Rate APR Points Monthly Payment Loan Term (Months) 30-Year Fixed 7.250% 7.288% 0.000 $2,268.24 360 20-Year Fixed 7.375% 7.424% 0.000 $2,653.24 240 15-Year Fixed 6.875% 6.935% 0.000 $2,965.42 180 Adjustable Rates Interest Rate APR Points Initial Monthly Payment Maximum Monthly Payment 5/5 ARM 30 7.375% 6.740% 0.000 Months 1-60 $2,296.49 Months 61-360 $2,446.00 7/6 ARM 30 7.750% 7.846% 0.000 Months 1-84 $2,382.07 Months 85-360 $2,437.00 First Time Homebuyer Rates effective as of October 30, 2024. 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 30, 2024. 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 View Rates 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 6.875% 6.916% 0.000 $1,970.79 360 20-Year Fixed 7.000% 7.053% 0.000 $2,325.90 240 15-Year Fixed 6.500% 6.566% 0.000 $2,613.32 180 See All Rates Adjustable Rates Interest Rate APR Points Initial Monthly Payment Maximum Monthly Payment 5/5 ARM 30 Year 7.375% 6.744% 0.000 Months 1-60 $2,072.03 Months 61-360 $2,248.00 7/6 ARM 30 Year 8.000% 7.987% 0.000 Months 1-84 $2,201.29 Months 85-360 $2,413.00 5/6 ARM 30 Year 7.375% 7.709% 0.000 Months 1-60 $2,072.03 Months 61-360 $2,313.00 See All Rates Fixed Rates effective as of October 30, 2024.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 30, 2024. 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 Compare
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 $750,000, and 85% LTV up to $1,000,000 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 Compare
Land Loan Overview Finance unimproved land for building your primary residence Finance up to 80% of the lot value up to $250,000 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 Apply1-800-561-9433 Compare
FHA Loan Overview Government-backed loan Fixed-rate loan View Rates 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 Compare FHA Loan Interest Rate APR Points Monthly Payment Loan Term (Months) Purchase Rates 30-Year Fixed 6.250% 7.008% 0.000 $2,376.67 360 15-Year Fixed 6.250% 6.987% -0.250 $3,309.65 180 Refinance Rates 30-Year Fixed 6.250% 7.008% 0.000 $2,376.67 360 15-Year Fixed 6.250% 6.987% -0.250 $3,309.65 180 FHA Mortgage Rates effective as of October 30, 2024. 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 30, 2024. 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 View Rates 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 Compare VA Loan Interest Rate APR Points Monthly Payment Loan Term (Months) Purchase Rates 30-Year Fixed 6.500% 6.725% 0.000 $2,528.27 360 15-Year Fixed 6.250% 6.619% 0.000 $3,429.69 180 Refinance Rates 30-Year Fixed 6.500% 6.727% 0.000 $2,275.44 360 15-Year Fixed 6.250% 6.621% 0.000 $3,086.72 180 VA Mortgage Rates effective as of October 30, 2024. 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 30, 2024. 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 View Rates 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 Compare USDA Loan Interest Rate APR Points Monthly Payment Loan Term (Months) 30-Year Fixed 6.125% 6.604% -0.375 $2,430.44 360 USDA Mortgage Rates effective as of October 30, 2024. 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.
