Personal > Mortgages

Purchase today and get $1,000 Back

Lower your financial stress and monthly payment when you buy or refinance a home. From pre-approval to closing, our experts are with you every step of the way. Contact us at 844-ND-Home1 or [email protected].

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  • Low Rates

    Buy or refinance a home today to lower your rate and save on interest. With a lower rate you can pay off your loan sooner, reduce your monthly payment or leverage your buying power in a competitive market.

    View Current Rates

  • Get up to $1,000 Back

    Earn up to $1,000 in closing cost credits when you purchase a new home.

    No gimmicks. No added fees. Just money in your pocket.

  • Get up to $500 Back

    Earn up to $500 in closing cost credits when you refinance with Notre Dame FCU.

    Get in Touch

Now Open: Elkhart Mortgage Center

Located downtown at 516 S. Main Street, Suite 100, the Elkhart Mortgage Center team is looking forward to working with you to finance your dream home and get the mortgage loan that bets fits your situation.

I knew it was the house when I pulled into the driveway.

KEVIN, Member-Owner Since 2012

The entire team we worked with at Notre Dame FCU was top-notch. They anticipated our questions and helped us get the best rate possible.

DANIEL, Member-Owner Since 1987

I instantly felt that I was talking to people who knew our needs and would help us find the place that was right for us.

JOHN, Member-Owner Since 2006

How to Get a Mortgage

Easy Application Process

Apply online anytime, anywhere. A dedicated expert will walk you through the approval process and work with you to determine what type of mortgage best meets your needs.

Real estate is moving fast. A pre-approval letter boosts your offer in our competitive market. We can help get you the documentation you need to move quickly on the right house.

Mortgage Loan Options

Your family is unique. We find the loan that best meets your goals and future plans.

  • Fixed-Rate Mortgage

    Your principal and interest payments remain constant for the life of the loan. Choose a fixed-rate loan if you prefer the certainty of a fixed payment.

  • Adjustable-Rate Mortgage

    Choose an adjustable-rate mortgage if you prefer a lower initial monthly payment. With this loan, your interest rate is locked in for a set period. After that time, your rate may fluctuate.

  • FHA and VA Home Loans

    Not all loans require a large downpayment. Some buyers qualify for loans through the Federal Housing Administration or Veterans Affairs that require less cash upfront.

  • Construction-Permanent Loan

    Building a home? Streamline your financing with one loan that covers your lot, construction costs and mortgage. This loan automatically converts from a construction loan to mortgage.

Refreshingly Simple

Our loan experts will help find the solution that's right for you and personally help you through every step. Whether you've already started the application process, have a current mortgage loan with us, or interested in taking out a mortgage with us, you might find the information below useful.

  • Mortgage Questions

    If you have questions about your current mortgage loan, email or call 855-242-1837.

    get in touch

  • Taxes & Insurance

    For questions about your mortgage taxes and insurance, email or call 866-242-7514.

    get in touch

  • Pay Application Deposit

    Click the link below to pay your deposit needed to process your mortgage application.

    pay application deposit

  • Crunch the Numbers

    This array of calculators will help you see what you can afford or find the right time to refinance.

    see what you can afford

  • We've Got You Covered

    Looking to save money on your insurance? Get a quote from Mission Insurance Solutions.

    get a quote

What are Closing Costs?

Specialty Mortgage Programs

Custom Mortgages for Professionals and Community Heroes.

  • Professional's Program

    A mortgage option for Professionals, let us help you get your dream home.

    Benefits:
    • Up to$500 Cash Back
    • Fixed or Adjustable-Rate Options
    • Up to 100% Financing
    • No Monthly Mortgage Insurance Payments

    Who’s Eligible:
    • Medical Residents
    • New or Established Physicians
    • Assistant/Head Coaches at Colleges or Universities
    • Professors/Assistant Professors
    • Veterinarians
    • Attorneys

  • Hero's Program

    A mortgage option for those who go above and beyond everyday to serve our community.

    Benefits:
    • No application deposit required
    • $750 off closing costs
    • 1% down payment
    • Reduced Mortgage Insurance

    Who’s Eligible:
    • EMTs /First
    • Responders
    • Firefighters
    • Military
    • Nurses
    • Police Officers
    • Dispatchers
    • Teachers

Voted Best Mortgage Lender
4 Years in a Row

Thanks to our responsive team, we've been named Best Mortgage Lender by the South Bend Tribune for 4 years running.

meet our team of experts

Now is the Time to Buy or Refinance a Home!

Connect with a Mortgage Expert

Learn more about how we can help with your home loan. Simply fill out a request for information and a Notre Dame FCU mortgage representative will contact you shortly.

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Loan subject to credit approval. Earn up to $1,000 in closing cost credits upon meeting specific loan program requirements. Certain restrictions apply. Contact a mortgage loan representative at 844-NDHOME1 (844-634-6631) for full details. This offer cannot be combined with other offers or promotions and may be withdrawn at any time.

Loan subject to credit approval. Earn up to $500 in closing cost credits upon meeting specific loan program requirements. Certain restrictions apply. Contact a mortgage loan representative at 844-NDHOME1 (844-634-6631) for full details. This offer cannot be combined with other offers or promotions and may be withdrawn at any time.

To qualify for this program, completed mortgage applications must be submitted by December 31, 2022. Loan subject to credit approval. In the event mortgage rates are at least .50 lower anytime through 2024, Notre Dame FCU will provide a no-cost option to refinance the same loan, on the same property, into another fixed rate, conforming mortgage. Application for new loan must be completed no less than six (6) months after first mortgage closing and no later than December 31, 2024. For this no-cost refinance offer, Notre Dame FCU will provide closing costs credit at time of closing to cover the costs of the loan transaction, excluding certain closing costs, such as: loan level price adjustments (LLPA), prepaid interest and escrow deposits. No additional discounts on closing costs or interest rates are eligible with this specific loan program. Certain restrictions apply. Contact a mortgage loan representative at 844-NDHOME1 for full details. Offer may be withdrawn at any time

Professional Mortgage Loan Program is available for purchase transactions only, for single family/primary residence/1 unit homes. Minimum credit score of 700 required. Receive $599 cash back. Offer may be withdrawn at any time

Hero’s Mortgage Loan Program is subject to credit approval. Certain restrictions apply. Cannot be combined with any other offer. Offer may be withdrawn at any time

NMLS ID# 405299
Please click here for a full list of NMLS numbers.

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