- Steady monthly payments for the life of your loan
- Flexible terms to meet your needs
Mortgage Options
Homes come in all styles and sizes. So do our home loans.
Whether you're purchasing a home or refinancing your current mortgage, you'll find plenty of options at Everwise. We can help you choose one that makes sense for your current finances and future plans.
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Conventional Fixed-Rate Mortgage
Rock-solid rates mean no unpleasant surprises.
Adjustable-Rate Mortgage (ARM)
Lower initial rates give you some breathing room.
- Enjoy smaller monthly payments for the initial period
- Use extra cash for remodeling, furniture or to build savings
First-Time Homebuyer Loans
Lower down payments can make all the difference.
- Put as little as 3% down
- Qualified borrowers can use gift funds for down payment
Construction Loans
A one-of-a-kind loan for your unique home.
- Short-term loan for building materials and labor
- Converts to regular mortgage when work is finished
Bridge Loans
Buy some extra time in the selling-buying process.
- Allows you to close on your next home before your current home sells
- Fast loan turnaround time
Special Loan Programs
Financial advantages for veterans, first responders, and others.
- Reduced down payments and closing costs
- Flexible credit standards
Feel right at home
Our friendly lending team will offer a guiding hand throughout the mortgage process.
Competitive rates
Lower interest charges can save you a bundle over the long run.
Remodel your loan
Many of our mortgages feature refinancing options that can work to your advantage.
Subject to membership requirements. APR = Annual Percentage Rate. The rate examples are current as of 10/04/2022 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. Payment example: Based on a $150,000 home purchase with $145,500 finance after $4,500 (3%) down payment. Assumes a 30-year conventional 6.875% rate (7.522% APR) fixed-rate mortgage, with monthly payments of $955.83.
* 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.