I want to apply to purchase a home, but what address do I enter if I haven’t found one yet? If you're home shopping you may simply enter 123 Anywhere Street, Town, and Zip of your shopping area. After I apply can I make changes to the term or loan amount? Yes! Some changes can be made once you have a signed purchase agreement, based on qualification. What if I don’t have an account with HHCU? No worries! You are welcome to apply, we can open your membership later. What documents do I need to fill the application out? No documentation is needed to complete the application. Helpful items could be current paystub or W2 What do I do if I get an error message while applying? You may reach out to our Mortgage Desk at 800-865-2612 Ext 438. If I don’t have a home in mind yet, what do I enter for purchase price? You can enter what your personal max spending amount would be, keep in mind we can change the amount, based on qualification. Do I have to have a down payment to purchase a home? Not at all, we have options for borrowers with no downpayment. How much do I need to put down to purchase land only? For the purchase of vacant land, you must put down 20% of the purchase price. What loan product do I want? We have many loan products available from 100% financing, conventional mortgage, land loans, construction loans, refinancing options, and more. How soon after the application will I get a call back? Our goal is always reach out to applicants’ same day, if after hours the following business day. Who will be handling my loan? Our Mortgage Loan Officers serve Members across all our market areas. You may work with the loan officer of your choice, or stop by the Service Center closest to you. What phone number do I call if I have a question? Our Mortgage Department phone line is 800-865-2612 Ext 438 How long will it take for the loan to be completed? Although this may vary depending on the individual loan, our goal is 30 days or less from the time we receive needed documentation from borrower. Does HHCU service my Mortgage? Yes. Even if your loan were to be sold, HHCU will continue to handle all servicing. You’ll still work directly with us for payments, questions, and support. Is my Mortgage rate fixed? Yes, our purchase and refinance Mortgages are fixed rate/term. Do you charge any prepayment penalties? No HHCU does not charge to pay off early. Do you have a minimum credit score? HHCU has options available for no credit score.

Home Loan

Local Service. Quick Decisions. Lower Fees.

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A Better Home Starts with a Better Loan.

Home Loans

With competitive rates, local decisions, and personalized support, HHCU makes homeownership more affordable from the start. Use the benefits of your Credit Union membership to finance your home at great rates and with lower fees.

We make our decisions locally, allowing us to get to know your situation and provide a quick turnaround time on approvals. Plus, we service our loans locally. Our mortgage loan officers will be with you from your first questions to your last payment.

Finance with lower fees
Competitive rates
Local loan decisions with quick turnaround
Local servicing. Have a question? Ask us anytime!

MEET THE mortgage loan officer TEAM!

VIEW MORTGAGE RATES

Home Loan Options.

We offer loan options that meet you where you are. From conventional loans, to low down payment and no down payment options, we work hard to make your homeowning dreams a reality. One option is our Greater Option, or GO Loan, built to get you into your next home purchase more easily. Now, high down payments and credit scores that aren’t yet where you might want them to be no longer stand in your way. Purchase, refinance, or convert equity into available funds. GO Loans from HHCU give you options!

As little as 3% down*
No PMI (Private Mortgage Insurance)
Wider range of credit scores qualify
Full range of home values financed – from manufactured homes to Jumbo Mortgage

Build your dream home with a Construction Loan!

Are you ready for your construction dreams to take shape? We’re ready to help! Hoosier Hills Credit Union is proud to have helped many of our members put a frame to their vision over the years. We can’t wait to put our experience to work for you.

Competitive rates
Loan amount based on appraisal, not cost of build
Local decisions make for quick turn times on loans
Local servicing. Have a question? Ask us anytime!

A Piece of Land Can Represent the Blank Canvas of Your Future.

We are committed to helping you make land ownership happen with a Land Loan from HHCU. Experience the lending you deserve with the rates, terms, and local service you need. Let us help you chart your path to ownership.

Competitive Rates
Local servicing. Have a question? Ask us anytime!
Terms as long as 20 years
Local decisions with quick turn times

Home Loan FAQs

I want to apply to purchase a home, but what address do I enter if I haven’t found one yet?
If you're home shopping you may simply enter 123 Anywhere Street, Town, and Zip of your shopping area.
After I apply can I make changes to the term or loan amount?
Yes! Some changes can be made once you have a signed purchase agreement, based on qualification.
What if I don’t have an account with HHCU?
No worries! You are welcome to apply, we can open your membership later.
What documents do I need to fill the application out?
No documentation is needed to complete the application. Helpful items could be current paystub or W2
What do I do if I get an error message while applying?
You may reach out to our Mortgage Desk at 800-865-2612 Ext 438.
If I don’t have a home in mind yet, what do I enter for purchase price?
You can enter what your personal max spending amount would be, keep in mind we can change the amount, based on qualification.
Do I have to have a down payment to purchase a home?
Not at all, we have options for borrowers with no downpayment.
How much do I need to put down to purchase land only?
For the purchase of vacant land, you must put down 20% of the purchase price.
What loan product do I want?
We have many loan products available from 100% financing, conventional mortgage, land loans, construction loans, refinancing options, and more.
How soon after the application will I get a call back?
Our goal is always reach out to applicants’ same day, if after hours the following business day.
Who will be handling my loan?
Our Mortgage Loan Officers serve Members across all our market areas. You may work with the loan officer of your choice, or stop by the Service Center closest to you.
What phone number do I call if I have a question?
Our Mortgage Department phone line is 800-865-2612 Ext 438
How long will it take for the loan to be completed?
Although this may vary depending on the individual loan, our goal is 30 days or less from the time we receive needed documentation from borrower.
Does HHCU service my Mortgage?
Yes. Even if your loan were to be sold, HHCU will continue to handle all servicing. You’ll still work directly with us for payments, questions, and support.
Is my Mortgage rate fixed?
Yes, our purchase and refinance Mortgages are fixed rate/term.
Do you charge any prepayment penalties?
No HHCU does not charge to pay off early.
Do you have a minimum credit score?
HHCU has options available for no credit score.

Meet the HHCU MLO (Mortgage Loan Officer) Team!

We pride ourselves on providing personalized and comprehensive financial solutions to meet the needs of our members. Our mortgage loan officers are knowledgeable and experienced professionals who are committed to helping our members navigate the mortgage process with ease.

Whether you are a first-time homebuyer or a seasoned homeowner, our team is here from first your first question to your last payment.

Elias Laborin
Ellettsville, IN
NMLS# 1767188
elias.laborin@hoosierhills.com
812.804.7097

Debbie Norman
Bedford, IN
NMLS# 347203
debbie.norman@hoosierhills.com
812.804.7160

Angie Clark
Paoli, IN
NMLS# 347190
angie.clark@hoosierhills.com
812.804.7301

Arlene Erny
Jasper, IN
NMLS# 346698
arlene.erny@hoosierhills.com
812.804.7611

Kelly Tuell
Jasper, IN
NMLS# 444058
kelly.tuell@hoosierhills.com
812.804.7067

Jaimi Deel
Tell City, IN
NMLS# 1789875
jaimi.deel@hoosierhills.com
812.804.7705

Angela Ashlock
Mortgage Production Manager
Bedford, IN
NMLS# 1330099
angela.ashlock@hoosierhills.com
812.804.7297

You can get your pre-approval letter in as little as 20 minutes!

Home ownership comes with many opportunities. Let us help you make the most of yours!

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Insurance for your Home

Hoosier Hills Insurance Agency offers protection and peace of mind with home, auto, business, and life insurance options to best meet your needs.

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Home Equity Loan

As the value in your home increases over time, you build equity. you can use this equity to secure a loan at a lower rate than that of a personal loan.

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Home Loans Rates

View current Mortgage Rates and begin planning for the purchase of your new dwelling.

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Budget for Home Buying

Learn more about how to budget for your biggest purchase by using our Financial Wellness tools.

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Disclosure

*Example based on a 30-year term, a credit score of 650, a purchase price of $150,000, and an APR of 9.388 as of 5-21-24. Estimated payment schedule for $145,500 would be 359 payments of $1,196.99 and 1 payment of $1,201.81. Payments shown do not include taxes and insurance, so actual payments will be higher with those amounts added. Rates may be higher depending on credit factors. Subject to credit approval. Rates subject to change.