Mortgages
Time for new digs? We got you!
First-time home buyer looking to finally call something your own? Maybe you’ve just outgrown your current space? No matter the reason you’re shopping for new digs, we can help you make your next house your home with an easy and affordable mortgage solution*.
And you can get a pre-approval so you know how much home you can comfortably afford before you start shopping!
Conventional? Yep, we can do that! FHA, VA, or USDA loans? No problem! No closing cost options? We can do that too!
Considering refinancing your home? Whether you’re looking to lower your payments, get a better rate, or use the equity in your home – we can help you realize your goal.
Before you get pre-approved, use our handy-dandy calculator to find the payment and purchase price that is right for you.
Need help on where to begin? Check our FAQ or give us a call and let our mortgage team get you started on your home buying journey.
812-945-4600
Our Mortgage Team
| Cole McCollum NMLS# 123456 |
Got home loan questions? Good thing, because we’ve got answers!
Q: How long does the application take to complete?
A: Please plan for 30 minutes to complete your application. If necessary, you can stop during the application process, save your progress and return to the application at a more convenient time.
Q: What are some pieces of information I’ll need to have with me in order to complete my application?
A: It is recommended you know the current balances of your credit union or bank accounts, your current gross annual income, and the balance of any IRA or 401K accounts you plan to document as assets. If you are refinancing, we also recommend you know the current balance of your home loan along with the approximate value of the home.
Q: Do I have to be a member of ONE VISION to apply for a mortgage?
A; No; however, if you are approved, you will need to become a member before closing.
Q: Do I have to have a home picked out before applying?
A: No. You can apply for a pre-approval and then go shopping knowing how much house you can comfortably afford. Your pre-approval is good for 90 days from the date the approval is given.
Q: What if I’m not comfortable applying online? Can I come in and apply personally?
A: Absolutely. Please contact the credit union mortgage loan officer directly at 812.948.7998 or stop by to complete the application and ask questions.
Q: What is the best number to call if I have questions during the application process?
A: We are here to help you through every step of the mortgage process. If you have any questions, simply call 812.948.7998.
The HMDA data about our residential mortgage lending are available online for review. The data reveals geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online.
For more information, visit the Consumer Financial Protection Bureau.
*Several fixed & adjustable rate terms available. Rate for No Closing Cost Loan is 0.50% higher than regular rate, but you don’t have to pay closing costs. Other Terms and Conditions may apply. Non-refundable $35.90 credit report application fee applies to all mortgage loans. One Vision FCU is an Equal Housing Lender and makes mortgage loans without regard to race, color, religion, national origin, sex, handicap or familial status. All loans subject to credit approval.
