• 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.

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.

• 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.

• 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.

• Finance up to 95% of appraisal value subject to the home improvements
• For loan amounts up to $484,350 or less¹
• Primary residence and 1-unit single family dwellings only
• Renovation must be completed by a licensed general contractor²

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

• 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.

• Offers a low initial rate
• Fixed 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.

• Convenient one-time close can save you thousands
• Down payment as low as 5%
• 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.

• 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.

• Rates as low as 4.750% 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 100% financing up to $750,000 sales price
• 90% financing up to $1,000,000 sales price
• No Private Mortgage Insurance (PMI)
• 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.

• Loan amount can exceed the conforming limit of $453,100
• 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.

• 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!

• $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.

• Available with no down payment
• Fixed-rates available at terms up to 30 years
• Loan amounts between $50,000–$453,100

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