Mortgage Loan Products and Services

Choose a mortgage that makes life easiest for you, your needs, your budget. We've got a mortgage to fit. Each plan is flexible and affordable. Please call, email or stop by one of our convenient Southern Indiana locations today to find mortgage that's right for you. Easy Pre-Qualification Our pre-qualification service eliminates the waiting and worrying when applying for a home mortgage. Knowing how much you qualify for, you can make an offer on your next home with the confidence that we are on your side.  Fast and Easy Mortgage Process Get fast answers to your mortgage questions. Our loan officers work with you to make the approval process quick and smooth. Fixed Rate Mortgages The security of knowing the interest rate you start with will never change - just what you need if you plan to stay in your home for a number of years. Select a term that meets your needs. We offer several types of programs so that you can choose a loan that meets your needs.   Options range from USDA’s 100% Rural Housing Program, FHA and Conventional loans.   We also offer an in-house First Time Home Buyer Program and other fixed rate products that WILL NOT be sold to another lender. Call us for details. Adjustable Rate Mortgages Lower initial rates and maximum borrowing power. These rates are usually lower than those available on fixed rate mortgages. Rate caps limit the amount the rate can increase or decrease at each period and over the life of the loan. You'll know your highest possible payment from the beginning. Call us for details. First Time Homebuyer Opportunities  First Time Homebuyer Program This is a specially designed, Bank-held loan that was created to help first-time homebuyers get a locally-approved loan with low closing costs and favorable terms. The rate on this loan is priced a .5% below our Portfolio Fixed Rate. Call us for details.   USDA Guaranteed Rural Housing You don’t technically have to be a first-time homebuyer to qualify for this loan, but if you meet the USDA eligibility requirements for income and location then you may be approved for a no-money-down, 100% financing loan. As a homeowner, this keeps more money in your pocket for the things you need to get started with your new house, new life. Call us for details. *All locations have experienced lending professionals to help with your lending needs. All loans are subject to credit approval. Check balances & account information 24/7 by calling 1-800-436-5149 or 1-800-551-4154.   for Loan Calculator Avoid Foreclosure Scams