You're building a one-of-a-kind home with unique features. Do it with a loan that's just as special.

Nail down affordable financing to cover construction costs from the first 2-by-4 to the final coat of paint.

Terms up to 24 months

Rome wasn't built in a day — we don't want a rush job on your dream home.

One-time close

Lock in your construction loan and permanent mortgage rate at the same time.

Choose your builder

It's your dream home so you should choose someone you trust. Everwise is respected by Indiana's top builders.

The blueprint for your new home? Decide on a floor plan. Choose your materials. Hire a builder. And then contact us. We'll provide timely funding for each phase of construction, plus help ensure payments are being distributed on time.

  • Funding for labor and materials
  • Competitive interest rates
  • Interest-only payments during construction phase
  • Dedicated Construction Department to help you every step of the way
  • We will monitor progress and authorize release of funds at appropriate times
  • Easy transition to permanent mortgage once your home is completed
Subject to membership requirements. APR = Annual Percentage Rate. The rate examples are current as of 2/9/2024 and are Everwise’s best rate. Rates and terms vary depending on loan to value ratio, credit evaluation and underwriting requirements. PMI=Private Mortgage Insurance, flood and/or property hazard insurance may be required. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Payment examples do not include taxes or insurance premiums. The actual payments will be higher; and rates provided are based on current market rates and are informational only. Construction loans are construction-to-permanent, with construction period up to 24 months. Interest only payments during construction period. Fees may apply for extended rate lock. Builder qualifications subject to lender review. Payment example after construction assumes 20% down on a fixed-rate loan of $1,000,000 for 30 years at 7.250% rate (7.287% APR), will have payments of $6,821.76. Payment doesn’t include the interest-only construction phase period.

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Routing Number | 271291826