Secure your home with a mortgage from Everence Federal Credit Union

Stability and predictability for long-term planning

• Low closing costs
• Borrow up to 90% of the value of the property
• 5/1, 5/5, 7/1 and 10/10 adjustable-rate mortgage rates are indexed from Wall Street Journal Prime
• Property types
  • We work with conforming, nonconforming and nonconventional properties
• Flexible underwriting
  • We understand that each borrower and every loan is unique
• Stated assets
  • For most requests, we do not verify assets other than the value of the property
• No credit score
  • We use many forms of nontraditional credit references
• Servicing
  • Everence Federal Credit Union does its own loan servicing, which allows for flexibility in term, payment options and other factors

• Insurance requirements

  • We accept all forms of Amish Aid and Mutual Aid policies

Flexibility and potentially lower initial rates.

• Borrow up to 80% of the value of the property
• Ideal for conventional properties or small residential investment properties
• Competitively priced conventional interest rate products
• Standardized residential mortgage documents and underwriting criteria allow for broader financial options
• No pre-payment penalties
• Taxes and insurance can be included in mortgage payment through an escrow account
• Modular homes accepted
• Unique options possible for each loan