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#1 The Nation's Top Credit Union for Mortgage Lending

Featured Rates

30 Year fixedas low as
3.375 3.465
15 Year fixedas low as
2.625 2.739
3/6 ARMas low as
2.875 2.974
SmartMoveno closing cost refi
2.250 2.286
View More Rates 2

Rates as of November 26, 2021 9:30 AM CDT and are subject to change throughout the day. All mortgage rates include Extra Credit Discount2 and require credit and loan approval. Rates vary based on borrower financial qualifications and loan to value. Refinance rates may be higher. Ask your loan officer for more details.

PURCHASE

Options include low down payments, first-time buyers programs, and programs to eliminate PMI.

BUILD

ETFCU offers down payments as low as 5%, a 9-month construction period, and a convenient one-time close.

REFINANCE

We offer programs to help you lower your payment, shorten your term, or both—including options with no closing costs.

purchase programs
build programs
refinance programs
purchase
programs build
programs refinance
programs

Select a category above to view our mortgage options.

p Refinance

Refinance

ETFCU offers programs to help you lower your payment, shorten your term, or both, including:

  • Fixed-rate options from 10- to 30-years
  • Multiple ARM options with locked initial terms ranging from 3- to 10-years
  • Our popular, no closing cost SmartMove Mortgage
  • Plus many more!

Learn More Apply Today
H Build

Physician Construction Loan

  • No Private Mortgage Insurance (PMI)
  • Convenient one-time closing
  • 95% financing up to $850,000 loan amount
  • 90% financing for $850,001 to $1,250,000 loan amounts
  • Required Credentials: MD, DO, DDS, DMD, OD, DP, or DPM

The rate is locked from the beginning which guarantees you a low rate for the life of the loan

*Restrictions apply. See page for full details.

Learn More Apply Today
p Refinance

Home Equity Loan/Second Mortgage

  • 5, 10, or 15 year term options
  • Minimum credit score of 680

Perhaps you’re ready to make home improvements that add value to your home or eliminate your high credit card debt. Make it happen with a home equity loan/second mortgage from ETFCU.

Learn More Apply Today
F Purchase p Refinance

Renovation Loans

  • Finance up to 95% of appraisal value subject to the home improvements
  • For loan amounts up to $850,000 or less1
  • Primary residence and 1-unit single family dwellings only
  • Renovation must be completed by a licensed general contractor 2

Want to remodel your kitchen or add a bathroom? Our ETFCU renovation loan would be perfect for you to accomplish all your fixer-upper needs!
*Restrictions apply. See page for full details.

Learn More Apply Today
F Purchase

HomeOneSM

  • At least one borrower must be a first-time homebuyer
  • Requires a low down payment of 3%
  • 30-year fixed rate
  • Receive up to a $500 gift card at closing*

This mortgage solution helps first-time homebuyers achieve the dream of homeownership. Plus, there are no borrower geographic or income restrictions.

*Restrictions apply. See page for full details.

Learn More Apply Today
F Purchase

Community Hero 100

  • Available to teachers, nurses, first-responders and other community heroes*
  • 100% Financing
  • Fixed rate terms of 15, 20, and 30 years available
  • Receive up to a $500 gift card at closing*

This mortgage option is a way for us to give back to some of those who play vital roles in our local communities so they can enjoy the dream of home ownership.

*Restrictions apply. See page for full details.

Learn More Apply Today

Government Mortgage Loans

ETFCU is proud to offer government mortgage product financing, including FHA, USDA, and VA. Our team is here to help your clients understand the various options available to find the best program for their needs. Contact any ETFCU mortgage loan originator or visit us online to learn more.

Learn More
F Purchase

80/15/5 (No PMI)

  • No PMI—providing you huge monthly savings
  • Down payments as low as 5%
  • A second mortgage will cover 15% of the purchase price
  • Receive up to a $500 gift card at closing*

Purchase your new home with no PMI.
*Restrictions apply. See page for full details.

Learn More Apply Today
F Purchase p Refinance

Adjustable Rate Mortgage

  • Offers a low initial rate
  • Locked for an initial term up to 10 years
  • Adjusts annually thereafter
  • Receive up to a $500 gift card at closing*

Our adjustable rate mortgage programs may help you enjoy a lower rate.
*Restrictions apply. See page for full details.

Learn More Apply Today
F Purchase p Refinance

Condo Loan

  • Down payments as low as 10%
  • Available for purchase or refinance
  • No closing cost refinance available

ETFCU offers programs to help you purchase or refinance your condo.

 

Learn More Apply Today
F Purchase

Freddie Mac Home Possible Advantage

  • Requires only 3% down payment
  • No reserves required
  • Loan rate not dependent on credit score
  • Receive up to a $500 gift card at closing*

This mortgage program is a great option if you don’t have a large income.
*Restrictions apply. See page for full details.

Learn More Apply Today
F Purchase p Refinance

Jumbo Loan

  • For loan amounts exceeding the conforming loan limit of $548,250
  • Purchase and refinance options
  • Receive up to a $500 gift card at closing*

ETFCU’s Jumbo Loan program can help you secure your large mortgage.
*Restrictions apply. See page for full details.

Learn More Apply Today
F Purchase

Bridge Loan

  • Financing up to 90% of the appraised value
  • Interest-only monthly payments
  • 9-month term
  • Low closing costs

Use your home’s equity as a down payment on your new purchase.

Learn More Apply Today
F Purchase p Refinance

Conventional Mortgage

  • Guaranteed low rate
  • Fixed-rate terms from 10- to 30-years
  • Points and no-point options available
  • Receive up to a $500 gift card at closing*

Lock in a low, fixed rate for the life of your mortgage.

*Restrictions apply. See page for full details.

Learn More Apply Today
p Refinance

Home Equity Line of Credit

  • Rates as low as 3.250 APR
  • No closing costs, annual fee, or prepayment penalties
  • Interest-only home equity program also available

Need cash for a large expense? Enjoy a great rate when you take advantage of your home’s equity.

Learn More Apply Today
F Purchase

USDA Rural Housing Loan

  • $0 down – 100% financing available
  • Small towns, suburbs, and exurbs of major cities qualify
  • Competitive interest rates

Looking for a home outside the city limits? A USDA Rural Housing Loan may be right for you.

Learn More Apply Today
F Purchase p Refinance

FHA Loan

  • Down payments as low as 3.5%
  • More lenient requirements for income and credit history
  • Gifts are allowed for down payment and closing costs

Our FHA program can make your dream of home ownership a reality!

Learn More Apply Today
F Purchase p Refinance

VA Loans

  • Available with no down payment
  • Fixed-rates available at terms up to 30 years
  • Loan amounts starting at $50,000

The VA loan is available to eligible veterans and active-duty military personnel.

Learn More Apply Today
H Build

Construction Loan

  • Convenient one-time close can save you thousands
  • Down payment as low as 5% up to $850,000 loan amount
  • 9-month construction period
  • Terms up to 30 years
  • Jumbo loan financing available
  • Receive up to a $500 gift card at closing*

Our construction loan program can make your dream home a reality.
*Restrictions apply. See page for full details.

Learn More Apply Today
F Purchase H Build

Turnkey Financing

  • No construction financing needed
  • Rates can be locked up to 6 months*
  • One-time rate drop option if market rates decrease*
  • Jumbo loan financing available
  • Receive up to a $500 gift card at closing*

Let the builder of your choice design your perfect home, and ETFCU will take care of your end financing needs.
*Restrictions apply. See page for full details.

Learn More Apply Today
F Purchase

80/10/10 (No PMI)

  • No PMI—providing you huge monthly savings
  • Down payments as low as 10%
  • A second mortgage will cover 10% of the purchase price
  • Receive up to a $500 gift card at closing*

Purchase your new home with no PMI.
*Restrictions apply. See page for full details.

Learn More Apply Today
F Purchase H Build

Lot Loan

  • Purchase up to 10 acres
  • Payments spread over a 10-year term
  • Low rates, low costs

Whether you plan to build right away or wait, we can help you get started.

Learn More Apply Today
F Purchase p Refinance

Physician Loans

  • No Private Mortgage Insurance (PMI)
  • 100% financing up to $850,000 sales price
  • 90% financing for $1,250,001 to $1,500,000 loan amounts
  • Receive up to a $500 gift card at closing*

This program is available to residents, fellows, new, and established physicians alike.
*Restrictions apply. See page for full details.

Learn More Apply Today
F Purchase

Homeownership Opportunities Program

  • Offers $8,000 in assistance to qualifying low- to middle-income buyers
  • Must be a first-time homebuyer
  • Requires a five-year retention agreement

Assistance is limited. Contact us about the Home Ownership Opportunities program today at (812) 469-9928 or 1-800-800-9271.

Learn More Apply Today
F Purchase p Refinance

Simple Solutions

  • Down payment of only 3%
  • Lower closing costs than an FHA loan—potentially saving you thousands
  • Available in multiple term options
  • Receive up to a $500 gift card at closing*

Lack a large down payment? ETFCU’s Simple Solutions mortgage program offers considerable benefits versus an FHA loan.
*Restrictions apply. See page for full details.

Learn More Apply Today
p Refinance

SmartMove Mortgage

  • Fixed-rate 10- and 15-year first mortgage options
  • Second mortgage options also available
  • 80/10/10 cash out options

Our popular SmartMove Mortgage lets you refinance your existing mortgage to a low rate.

Learn More Apply Today

What our members are saying

"The credit union helped me find the right program, a great rate, and they were very helpful and informative every step of the way. I was amazed by how quick and easy they made the entire process. The $500 gift card at closing was also a nice addition to an overall wonderful home financing experience."

Jeff Warren, Evansville

"When my husband and I first started thinking about building a home, we spoke to friends who had been through the process. We learned that you definitely want to choose the right partner. ETFCU has a fantastic construction program, particularly with the one-time close feature. They really made the process easy for us. It was a great experience."

Tammy Wittenbraker, Newburgh

“I wanted to thank you for the outstanding job you did on getting my loan approved and closed. It was truly the best banking experience I have ever had! This loan has made our lives easier financially and given us the ability to provide the things my wife and I want for our family.”

Jason Melton, Evansville

"We switched our accounts to ETFCU a few months ago, but have quickly done a lot of business with you. We got a mortgage on a new home we bought with a bridge loan—which allowed us to buy the new home without first selling our current home. Our mortgage officer has gone above and beyond several times. Your company's customer service—and products and services in general—have been amazing!"

Abbey D., Evansville

Contact us for a free consultation

Our mortgage experts excel at finding the best option for each member’s needs. Contact us or apply today!

extracredit

EXTRA CREDIT DISCOUNT

Pair your mortgage loan with your ETFCU checking account and debit card and receive a 1/8% APR interest rate discount.3

ratematch

RATE MATCH GUARANTEE

We are committed to offering your lowest rate. If you find a lower rate, we’ll match it.2

purchaseplus

PURCHASE PLUS

Receive up to a $500 gift card to spend anywhere on closing of your purchase or construction loan.4

 

Mortgage Loan Originators

We have mortgage experts in Indiana, Kentucky, and Illinois ready to help you find the right program!

Indiana
Kentucky
Illinois
Indiana Kentucky Illinois

Select a state above to view our mortgage experts!

    Cambry Altmeyer

    Main Office
    4401 Theater Drive
    Evansville, IN 47715
    (812) 477-9271 ext. 8550
    NMLS#: 1239338

    Contact

    Arin Wagner

    Henderson Office
    349 Starlite Drive
    Henderson, KY 42420
    (270) 826-3029 Ext. 7304
    NMLS#: #1277378

    Contact

    Bruce Sook

    East Owensboro Office
    2930 Wimsatt Court
    Owensboro, KY 42303
    (270) 240-1520 Ext. 7104
    NMLS#: 402227

    Contact

    Lindsay Ballard

    Liberty Financial Owensboro
    2925 Wimsatt Court
    Owensboro, KY 42303
    (270) 713-5304
    NMLS#: 488906

    Contact

    Heather Montgomery

    Liberty Financial Owensboro
    2925 Wimsatt Court
    Owensboro, KY 42303
    (270) 767-6508
    NMLS#: 502333

    Contact

    Terra Shively

    Liberty Financial Owensboro
    2925 Wimsatt Court
    Owensboro, KY 42303
    (270) 228-2348 ext. 2348
    NMLS#: 488907

    Contact

    Adam Taucher

    Liberty Financial Owensboro
    2925 Wimsatt Court
    Owensboro, KY 42303
    (270) 713-5303
    NMLS#: 1410187

    Contact

    Jamie Stanley

    Liberty Financial Owensboro – West Office
    2820 N. York Street
    Owensboro, KY 42301
    (270) 228-0574
    NMLS#: 488926

    Contact

    Cambry Altmeyer

    Main Office
    4401 Theater Drive
    Evansville, IN 47715
    (812) 477-9271 ext. 8550
    NMLS#: 1239338

    Contact

    Will Craven

    Main Office
    4401 Theater Drive
    Evansville, IN 47715
    (812) 477-9271 ext. 1456
    NMLS#: 1955197

    Contact

    Michelle Hodges

    Main Office
    4401 Theater Drive
    Evansville, IN 47715
    (812) 473-1222
    NMLS#: 1002077

    Contact

    Shasta Ligon

    Main Office
    4401 Theater Drive
    Evansville, IN 47715
    (812) 477-9271 Ext. 8543
    NMLS#: 439093

    Contact

    Gina Mattingly

    Fort Branch
    811 E. Mulberry Street
    Fort Branch, IN 47648
    (812) 473-1216
    NMLS#: 1673480

    Contact

    Jacob Murphey

    Main Office
    4401 Theater Drive
    Evansville, IN 47715
    (812) 473-1230 ext. 8518
    NMLS#: 2062713

    Contact

    Amanda Rhodaback

    Main Office
    4401 Theater Drive
    Evansville, IN 47715
    (812) 477-9271 ext. 8575
    NMLS#: 1214736

    Contact

    Shecari Seib

    Main Office
    4401 Theater Drive
    Evansville, IN 47715
    (812) 473-1226
    NMLS#: 703899

    Contact

    Tyler Weaver

    Warrick Office
    7697 Park Place Drive
    Newburgh, IN 47630
    (812) 477-9271 ext. 8561
    NMLS#: 1395803

    Contact

    Travis Fischer

    Princeton Office
    3014 W. Broadway Street
    Princeton, IN 47670
    (812) 386-3112
    NMLS#: 39198

    Contact

    Kristy Lindsay

    Vincennes Office
    1395 S. Hart Street Road
    Vincennes, IN 47591
    (812) 886-9377
    NMLS#: 1088552

    Contact

    Jaycee Witshork

    Vincennes Office
    1395 S. Hart Street Road
    Vincennes, IN 47591
    (812) 886-9377
    NMLS#: 1429385

    Contact

    Cami Gordon

    Washington Office
    2103 East National Highway
    Washington, IN 47501
    (812) 213-3517
    NMLS#: 502856

    Contact

BETTER PROGRAMS. GUARANTEED SAVINGS.

You don’t have to be a teacher to take advantage of our services.
Simply apply online today to get started.

APPLY NOW

Feeling overwhelmed? It's never too late to learn!

Check out Mortgage 101 at ETFCU's Financial Education Center

Learn More

Click here for a list of our employees registered through the Nationwide Mortgage Licensing System (NMLS) as of October 14, 2021 3:11 pm CDT.

Rates accurate as of November 26, 2021 and are subject to change daily. All mortgage rates include Extra Credit Discount. Loans are subject to credit review and approval. Closing costs may apply. A sample principal and interest payment on a (30)-year $150,000 fixed rate loan amount with a 4.250% interest rate (4.317% APR) is $737.91. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. Actual interest rate may vary based on credit history. Visit etfcu.org/mortgagecalculator to calculate payments with other terms, balances, or rates. ETFCU mortgage lending product availability may vary based on property location.

2Rate Match Guarantee available for new purchases and refinanced first mortgage loans of primary residences with conventional conforming financing. Certain product exclusions may apply. Offer valid only for lenders compared in a physical location within 50 miles of any ETFCU office. Loan Estimate from competing lender must be dated and received within three calendar days prior to locking your interest rate at ETFCU. The terms of the competing loan must be identical to ETFCU’s loan. If the loan does not close within the commitment period, the rate match may be voided. This offer is subject to credit approval and may change or terminate without notice. Offer is not applicable to government loans, including FHA, USDA, and VA financing. Rate includes Extra Credit Mortgage discount. Contact an ETFCU mortgage loan officer for further details.

3Discount available on conventional conforming financing of purchases for primary residences only. Offer available for new primary mortgage loans and mortgage loans already established at ETFCU when refinanced with at least $10,000 new money. Closing costs may apply. ETFCU verifies the past checking history of applicants with ChexSystems, a national consumer reporting network. Information obtained from the report could result in checking account denial. Certain product exclusions may apply. Contact an ETFCU mortgage loan officer for further details.

4Gift card offer is available on financing of purchase or construction loans for primary residences only. Purchase or construction loan amounts up to $149,999 will receive a $250 gift card. Purchase or construction loan amounts of $150,000 or greater will receive a $500 Gift Card. Not valid in combination with any other offer.

SmartMove Mortgage is subject to credit approval. No closing cost offer is available on first mortgage refinance transactions with 80% maximum loan-to- value. Standard closing costs apply to existing ETFCU mortgages refinanced within the last 12 months. Additional costs may apply if escrow and /or title insurance are required. Not available on manufactured homes. Actual interest rate may vary based on credit history. Rates and conditions are effective as of 6/23/2016 and are subject to change daily. Based on a $100,000 loan on a 180 month term, monthly payments at 3.290% with no closing costs would be $702.75 per month and a 3.250% APR. The rate cannot be locked until application approval. Property insurance required. Other restriction may apply. Equal Housing Lender.