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Featured Rates. Pick a category above to see our home loan choices.

Buy your new house without any PMI. Limitations apply. See web page for complete details.

Lot Loan

  • Buy as much as 10 acres
  • Re re Payments distribute more than a 10-year term
  • Low prices, low expenses
  • We can help you get started whether you plan to build right away or wait.

    Physician Loans

  • 100% funding as much as $750,000 product product sales cost
  • 90% funding as much as $1,000,000 product sales cost
  • No Private Mortgage Insurance (PMI)
  • Receive up to $500 present card at shutting
  • This system is available to residents, fellows, brand new, and established physicians alike. Limitations use. See web page for complete details.

    Homeownership Possibilities Program

  • Offers $8,000 in help to qualifying low- to buyers that are middle-income
  • Needs to be a homebuyer that is first-time
  • Requires a five-year retention contract
  • Support is limited. E mail us in regards to the Home Ownership Opportunities system today at (812) 469-9928 or 1-800-800-9271.

    Simple Solutions

  • Advance payment of only 3%
  • Lower closing expenses than an FHA loan—potentially helping you save thousands
  • Obtainable in numerous term choices
  • Receive up to and including $500 gift card at shutting
  • Absence a big payment that is down? ETFCU’s Simple Options mortgage program provides benefits that are considerable an FHA loan. Limitations use. See page for complete details.

    SmartMove Mortgage

  • Fixed-rate 10- and 15-year mortgage that is first
  • Second mortgage choices additionally available
  • 80/10/10 cash out options
  • Our popular SmartMove Mortgage enables you to refinance your existing home loan up to a rate that is low.

    ETFCU’s Vertical Checking has been recognized one of the Nation’s Top Checking Accounts in Kiplinger’s Personal Finance.

    What our users say

    «The credit union assisted me get the right system, a great price, plus they were beneficial and informative each step regarding the method. I became astonished by exactly just how easy and quick they made the process that is entire. The $500 present card at closing has also been a pleasant addition to a complete wonderful home funding experience.»

    Jeff Warren, Evansville

    «When we first began contemplating building a house, we talked to buddies who was simply through the method. We discovered that you actually wish to choose the partner that is right. ETFCU has an excellent construction program, specially using the one-time close function. They actually made the procedure possible for us. It had been a fantastic experience.»

    Tammy Wittenbraker, Newburgh

    “i desired to many thanks for the outstanding work you did on getting my loan approved and shut. It had been really the most readily useful banking experience We have ever endured! This loan has made our lives easier economically and offered us the capability to give you the plain things my family and I want for the household.”

    Jason Melton, Evansville

    Call us for the consultation that is free

    Our home loan professionals do well at choosing the most suitable choice for every member’s requires. Today contact us or apply!


    Pair your home loan together with your ETFCU bank checking account and debit card and be given a 1/8% APR interest discount. 2


    Our company is focused on providing your rate that is lowest. If you discover a lower life expectancy rate, we’ll match it. 1


    Receive up to and including $500 present card to pay anywhere on closing of the purchase or construction loan. 3

    Mortgage Loan Originators

    We now have home loan specialists in Indiana, Kentucky, and Illinois willing to assist you in finding the right system!

    Decide on a continuing state above to look at our home loan experts!


    You don’t have actually to become a trained instructor to make use of our services. Merely use online to get started today.

    Feeling overrun? It really is never ever far too late to discover!

    Have a look at Mortgage 101 at ETFCU’s Financial Education Center

    Just click here for a summary of our workers registered through the Nationwide Mortgage Licensing System (NMLS) at the time of August 13, 2020 9:23 am CDT.

    Rates accurate as of November 18, 2020 consequently they are susceptible to change daily. All home loan rates include Extra Credit Discount. Loans are subject to credit review and approval. Shutting costs may use. An example principal and interest payment on a (30)-year $150,000 fixed rate loan quantity by having a 4.250% rate of interest (4.317% APR) is $737.91. Fees and insurance are not included; therefore, the actual repayment responsibility would be greater. Real rate of interest may differ centered on credit rating. Browse to determine payments along with other terms, balances, or prices. ETFCU home loan product that is lending can vary predicated on property location.

    1 Rate Match Guarantee designed for brand new purchases and refinanced very first home loans of main residences with main-stream financing that is conforming. Specific product exclusions may use. Provide legitimate just for lenders contrasted in a real location within 50 kilometers of any ETFCU workplace. Loan calculate from competing loan provider should be dated and gotten within three calendar times ahead of securing your rate of interest at ETFCU. The regards to the competing loan must certanly be exactly the same as ETFCU’s loan. The rate match may be voided if the loan does not close within the commitment period. This offer is at the mercy of credit approval and will alter or terminate with no warning. Offer just isn’t applicable to federal government loans, including FHA, USDA, and VA financing. price includes Extra Credit Mortgage discount. Contact an ETFCU real estate loan officer for further details.

    2 Discount available on traditional financing that is conforming of for main residences only. Offer readily available for brand new main home mortgages and home mortgages currently founded at ETFCU whenever refinanced with at the very least $10,000 money that is new. Shutting costs may use. ETFCU verifies days gone by checking history of applicants with ChexSystems, a consumer reporting network that is national. Information obtained through the report you could end up bank account denial. Specific item exclusions may use. Contact an ETFCU real estate loan officer for further details.

    3 present card offer can be obtained on funding of construction or purchase loans for main residences just. Purchase or construction loan amounts as much as $149,999 will get a $250 present card. Buy or construction loan quantities of $150,000 or greater will get a $500 present Card. Maybe perhaps Not valid in conjunction with any kind of offer.

    SmartMove Mortgage is topic to credit approval. No closing price offer can be acquired on very first mortgage refinance deals with 80% optimum loan-to- value. Standard costs that are closing to existing ETFCU mortgages refinanced in the last year. Extra expenses may use if escrow and title that is/or are expected. Not available on manufactured houses. Real rate of interest may differ according to credit rating. Rates and conditions work well at the time of 6/23/2016 and they are susceptible to change daily. Centered on a $100,000 loan on a 180 thirty days term, monthly obligations at 3.290per cent with no closing expenses could be $702.75 Per and a 3.250% APR month. The price is not locked until application approval. Home insurance required. Other restriction may use. Equal Housing Lender.