Up to
$1,000
off closing costs.*
You’re one step closer to the moment a house becomes your home.
Nothing beats the confidence of ownership.
And everyone deserves it. That's why we're driven to help you secure the right house, make it home, and have a mortgage that's just right for your unique situation.
Right now, you can get up to $1,000 off closing costs when you apply for an Everwise mortgage loan. That way, you can save for what really matters — the memories that follow.
What type of mortgage is best for me?
First-Time Homebuyer Loan
- Buy a home with as little as 3% down, which is a lot less than what’s required for traditional mortgages
- A fixed interest rate that remains constant through the life of the loan
- Discounted private mortgage insurance (PMI) means lower monthly payments, and more money for the fun stuff
Conventional Fixed-Rate Mortgage
- Flexible terms: you choose the length of your loan
- Steady monthly payments for the life of your loan, so you know what to expect
- Low down payment options so you don’t need as much cash in hand to get started
Adjustable-Rate Mortgage
- For an initial term, a reduced rate can help you rebuild savings or finance projects
- Lower short term monthly payments
- Great option if you expect an increase to your income, or to move again before the initial term ends
Get Pre-Qualified
Get access to more opportunities by getting pre-qualified. This quick and easy process helps you set a realistic budget, and lets realtors and sellers know you're a qualified buyer.
Connect with a Mortgage Expert
Your local Everwise mortgage team is standing by and ready to help. Share your information to receive a personalized rate quote, get pre-qualified, or request guidance on the best mortgage option for you.
Disclosure
All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. Subject to Membership requirements.
*Up to $1,000, based upon maximum interested party contributions allowed by secondary market standards, waived on closing costs on new mortgage applications received between 3/18/2024 and 6/9/2024. Excludes bridge, lot, land, and home equity loans.
**APR = Annual Percentage Rate. The rate shown is current as of 5/8/2024 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. PMI=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 $1,105.08.