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Family in front of home

We offer a variety of home loan options to help members with everything from purchasing a home to accessing the equity in the place they already own. Our goal is to provide the highest level of service at competitive rates.

Applying for a mortgage or home equity online is as easy as 1-2-3. 
You can apply now in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for instant online approval.
  3. A Hoosier Hills Credit Union Loan Officer will follow up to answer your questions. 

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First Mortgage Loans

We’re proud to help our members open the door to home ownership with quality mortgage products that lay the groundwork for a solid, successful future. Whether you’re a first-time homebuyer or a veteran of the real estate market, our mortgage professionals will guide you to the perfect home loan that fits your needs, budget and lifestyle.
  • Fixed-Rate Mortgages with terms up to 30 years 
  • Construction Loans
  • Land Loans
  • Buy Downs
  • 100% Financing Options
  • No Closing Cost Programs
Apply Personalized Rate Quote 

Mortgage Refinancing

At HHCU, we know it’s the little things that make life easier. That’s why we’re currently offering the smallest rates on one of your biggest investments…your home! So refinance with us to shrink the cost of your home and benefit from our:
  • Rock-bottom rates
  • Streamlined application process
  • Fast loan decisions
  • Experienced home loan consultants

Speedy Refi Special

Now is the time to take advantage of our Speedy Refi* option for mortgage refinances. With this limited time offer, we are able to refinance your mortgage to a short-term or long-term option. Term with closing costs of only $249!!!*
Limited-time offer. Available on first mortgage refinances with 80% maximum LTV. Minimum credit score of 680. Owner occupied residences only. No manufactured housing. Insurance required. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions and are subject to change without notice. Minimum loan amount $20,000. Max loan amount $249,999. All loans are subject to approval. Restrictions apply. Offer subject to change without notice. 

Apply Personalized Rate Quote 

Home Equity Loans

HHCU can help you use your home’s equity to get the cash you need, and we make the process of getting the perfect home equity loan simple, affordable and worry-free. Use the loan to remodel your home, jet off to a luxury vacation resort, purchase a vehicle or even consolidate high-rate debt.
Features include:
  • Competitive rates
  • No annual fee
  • No closing costs
  • Flexible terms
  • Interest paid on loan may be tax-deductible**   

Home Equity Line of Credits

Get fast access to cash with a Home Equity Line of Credit (HELOC) from HHCU!
Unlike Home Equity Loans, which are one-time loans for a fixed dollar amount, a HELOC is a variable-rate loan that can be drawn down either all at once or at different times. You can borrow up to the credit line maximum, but you’ll only pay interest on the funds you use. We offer:
  • Rates as low as 5.00% APR (Prime+0)*
  • Ability to borrow up to 90% of value
  • No annual fee
  • No origination fee
  • No closing costs
  • No required minimum draw
  • Immediate availability of funds

*Minimum variable HELOC rate is currently 5.00% APR. Maximum HELOC rate is 18% APR. APR = Annual Percentage Rate. Quoted rates are the lowest available rates and are accurate as of 6/15/2018. Rates and terms are subject to change based on market conditions, borrower eligibility, credit history, lien position, property type, and other criteria.

**Consult your tax advisor.


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