Guidance for your home-buying journey
Whether you’re just starting to think about buying or you’re ready to make an offer, our local team helps you move forward with clarity and confidence, every step of the way.
Find the right mortgage for you.
Not sure where to start? Answer a few quick questions and we’ll point you toward the right mortgage.
Feeling excited but unsure where to start? Get guidance, tools, and loan options designed for first-time buyers.
Estimate payments and understand your budget before you shop.
A prequalification letter shows sellers you’re a serious buyer.
Begin your secure application and move forward with review, approval, and closing.
Refinance or use your home’s equity
There’s more than one way to use your home’s value. Whether you want to lower your monthly payment or access funds for what’s next, we offer flexible options.
Let's talk.
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 am writing because I had the great pleasure of working with your employee, Lindsay DeBroka, in securing the mortgage for my recent house purchase. As a first-time home buyer, I knew little as I undertook this major purchase, and I was nervous starting it. However, these concerns were unfounded, since I felt well-informed and supported throughout the entire process...she cheered me on along the way and offered constructive advice when needed.
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.
* APR = Annual Percentage Rate. The rate shown is current as of 2/12/2026 and is our best rate offered for a 30-year conventional fixed-rate mortgage purchase with 20% 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 $160,000 financed after $40,000 (20%) down payment the monthly payment for the APR shown would be approximately $1,011.31.
How much house can I afford?
Owning a home is about having a place to call your own. But in a market with changing rates and prices, the financial side can feel heavy. You might find a house you love, plug the numbers into a calculator, and see a monthly payment figure. But does that number tell the whole story?
Credit union vs. bank: Where should you refinance your mortgage?
Credit union vs. bank: Choosing your mortgage in Indiana and Michigan
What first-time home buyer programs are available in Indiana?
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.