Purchasing or refinancing a home is one of the largest financial decisions you will make in your life. Our mortgage expert is here to make sure you are properly prepared and understand your options.
Our mortgage specialist has a wide range of experience and knowledge to tailor the right mortgage to fit your needs, whether you want to purchase a home, construct a new home or refinance your existing home. Ready to get started? Apply for your mortgage here.
We work hard to make sure you completely understand the mortgage process and help you choose a loan type that matches your lifestyle so you can purchase your home with confidence.
Get pre-qualified
Pre-qualification is extremely useful when searching for a new home. Realtors often require a pre-qualification letter before showing you homes. This step simply determines the mortgage amount for which you qualify, estimated monthly payments, down payment requirements and estimated closing costs.
Get started
Our Mortgage Specialist is ready to help you through the process. You can contact our Mortgage Department directly by emailing or calling 260.432.1561, option 4 for lending and then option 3 for mortgage, to set up an appointment. For questions regarding your servicing and processing, please send them an email.
You can also begin the application process online at the link below.
Meet Our Mortgage Originator
Kelsey Carroll
Mortgage Loan Originator
Office: 800.837.3262
Cell: 662.664.1995
Email
NMLS# 2508888
Mortgage Calculators
- Mortgage Payoff - Save thousands of dollars in interest by increasing your monthly mortgage payment.
- Refinance Breakeven - Use this calculator to see how much interest you can save if you refinance your mortgage.
| Fixed Rate Loans Conforming and Government | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year Fixed | 6.125% | 6.312% |
| 20-Year Fixed | 5.875% | 6.185% |
| 15-Year Fixed | 5.625% | 5.932% |
| 30-Year USDA | 6.500% | 7.275% |
| Home Ready | 6.500% | 6.694% |
| 1-Time Construction (Other) | 6.125% | 6.316% |
| 30-Year FHA | 7.000% | 8.086% |
| 30-Year VA | 6.750% | 7.099% |
| Lot loans - Please contact our morgtage department for rates. | ||
| Adjustable-Rate Mortgages | Mortgage Rate | Annual Percentage Rate (APR) |
|---|---|---|
| 30-Year 1/1 ARM | 5.500% | 5.680% |
| 15-Year 1/1 ARM | 5.375% | 5.680% |
| 30-Year 3/1 ARM | 5.750% | 5.933% |
| 15-Year 3/1 ARM | 5.500% | 5.806% |
| 30-Year 5/1 ARM | 5.875% | 6.059% |
| 15-Year 5/1 ARM | 5.625% | 5.932% |
| 30-Year 5/5 ARM | 6.250% | 6.439% |
| 15-Year 5/5 ARM | 5.750% | 6.058% |
| 30-Year 7/1 ARM | 6.500% | 6.691% |
| 15-Year 7/1 ARM | 5.750% | 6.058% |
