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Fixed-Rate Mortgage

Lock in an interest rate for the life of your loan with a predictable monthly payment.

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Fixed-Rate Mortgage Purchase Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.500% 6.540% -0.250 $1,896.20 360
20-Year Fixed 6.375% 6.427% 0.000 $2,214.70 240
15-Year Fixed 6.000% 6.065% -0.125 $2,531.57 180
10-Year Fixed 6.125% 6.217% 0.000 $3,349.48 120
7-Year Fixed 6.125% 6.251% 0.000 $4,400.57 84
5-Year Fixed 6.125% 6.297% 0.000 $5,817.29 60

Fixed Rates effective as of November 29, 2024.Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those listed.

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Fixed-Rate Mortgage Refinance Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.625% 6.665% -0.125 $1,920.93 360
20-Year Fixed 6.625% 6.678% -0.250 $2,258.85 240
15-Year Fixed 6.375% 6.440% -0.250 $2,592.75 180
10-Year Fixed 6.500% 6.592% 0.000 $3,406.44 120
7-Year Fixed 6.625% 6.752% 0.000 $4,473.01 84
5-Year Fixed 6.625% 6.798% 0.000 $5,887.43 60

Fixed Rates effective as of November 29, 2024.Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those listed.

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Fixed-Rate Mortgage

Home ownership can bring surprises, but your monthly mortgage payment won’t be one.

KEY FEATURES

  • Interest rate remains the same for the life of the loan
  • Predictable monthly payments that will not change
  • Available in terms of 5, 7, 10, 15, 20, and 30 years
  • Can be used for home purchase or mortgage refinance
  • Low fees and closing costs
  • Down payment as low as 5% of purchase price — including First Time Homebuyers
  • Financing available for primary residences, second homes, and investment (rental) properties up to a loan amount of $453,100
  • Apply in 15-20 minutes!

Calculate Your Payments

MAY BE A GOOD CHOICE IF:

  • You want your rate and payments to stay the same for the life of the loan
  • You plan to stay in your home for several years
  • You want lower monthly payments by spreading them out over a long period of time
  • Trade-off: Interest rate is generally higher than an adjustable-rate mortgage

Compare to Other Mortgages

Great rates and amazing service! I am so glad I financed my mortgage through Elements. The application and entire process was so easy!

- Sandy M. | Member since 2010

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* Estimates based on national averages.

  1. 1 Fixed Rates effective as of November 30, 2024.Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those listed.
  2. 2 Adjustable Rates effective as of November 30, 2024. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about ARM products with terms other than those listed.
  3. 3 First Time Homebuyer Rates effective as of November 30, 2024. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 95% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on purchase price of $350,000, FICO® score of 780 or greater, 5% or more down payment, and loan amount of $332,500; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those listed.
  4. 4 FHA Mortgage Rates effective as of November 30, 2024. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 96.5% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio, and other factors, and may be higher than those displayed here. Rates, closing costs, and points may vary by property location, loan type, and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $400,000, FICO® score of 780 or greater, and 3.5% or more down payment, and loan amount of $386,000; FHA mortgage insurance premium is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply.
  5. 5 FHA Mortgage Rates effective as of November 30, 2024. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 96.5% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a property value of $400,000, FICO® score of 780 or greater, and 3.5% or more equity, and loan amount of $386,000; FHA mortgage insurance premium is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply.
  6. 7 Based on asset size as of 12/31/2022.