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* APR = Annual Percentage Rate. The rate shown is current as of 8/11/2026 and is our best rate offered for a 30-year conventional fixed-rate mortgage purchase with 25% down. Rates and terms vary depending on loan to value ratio, credit evaluation and underwriting requirements. Private Mortgage Insurance, flood and/or property hazard insurance may be required. Payment examples do not include taxes and insurance premiums. Payment Example for informational purposes only: Based on a 30-year conventional fixed-rate mortgage for a $200,000 home purchase with $150,000 financed after $50,000 (25%) down payment the monthly payment for the APR shown would be approximately $985.39.
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Buying a home comes with a lot of questions. Our experienced professionals are here to help you understand your options, navigate the process, and move forward with confidence—at your pace.
I just wanted to let someone at Everwise know how amazing Sheryll Enright has been throughout my mortgage journey. Very responsive, and always willing to help me or find the correct person at Everwise to help me. Customer service of this quality is hard to come by nowadays, so I wanted Sheryll to be recognized for her great work.
The level of dedication and service is exactly why I continue to bank with Everwise. I was especially impressed with the speed and professionalism throughout my recent experience purchasing my home—I truly could not ask for better!
Learn how the Everwise Foundation supports housing stability, financial education, and homeownership opportunities that help individuals, families, and communities build stronger futures.
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First-time home buyer checklist – Indiana & Michigan
Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.