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Mortgages

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Purchasing or refinancing a home is one of the largest financial decisions you will make in your life. Our team of mortgage experts are here to make sure you are properly prepared and understand your options.

Our mortgage specialists have 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.

Mortgage services we offer:

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 Specialists are 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.

You can also begin the application process online at the link below.

Apply for a Mortgage Loan

Meet Our Mortgage Team

Jo Ehinger headshot

Jo Ehinger
Mortgage Loan Originator
260.435.5283
jo.ehinger@fortfinancial.org
NMLS# 2180661

Angola, Auburn, Dupont, Maplecrest and Parkwest

Debbie Proebstle

Debbie Proebstle
Mortgage Loan Originator
260.435.5282
debbie.proebstle@fortfinancial.org
NMLS# 229893

Corporate, Churubusco, Corinth and Gastonia 

Mortgage Rates (Fixed)
Effective Date: Wednesday, May 29th, 2024
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
Fixed Rate Loans
Conforming and Government
RateAnnual Percentage Rate (APR)
30-Year Fixed 7.000% 7.197%
20-Year Fixed 6.625% 6.878%
15-Year Fixed 6.625% 6.941%
30-Year USDA 7.500% 8.305%
Home Ready 7.500% 7.703%
1-Time Construction (Other) 7.000% 7.198%
30-Year FHA 7.375% 8.484%
30-Year VA 7.375% 7.737%
Lot loans - Please contact our morgtage department for rates    

Mortgage Rates (Adjustable)
Effective Date: Wednesday, May 29th, 2024
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
Adjustable-Rate MortgagesMortgage RateAnnual Percentage Rate (APR)
30-Year 1/1 ARM 6.625% 6.818%
15-Year 1/1 ARM 6.375% 6.689%
30-Year 3/1 ARM 6.750% 6.944%
15-Year 3/1 ARM 6.500% 6.815%
30-Year 5/1 ARM 6.875% 7.071%
15-Year 5/1 ARM 6.625% 6.941%
30-Year 5/5 ARM 7.000% 7.197%
15-Year 5/5 ARM 6.750% 7.068%
30-Year 7/1 ARM 7.125% 7.324%
15-Year 7/1 ARM 6.875% 7.194%