Peaceful House at Nighttime

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]

  • 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.

    If rates drop in the next 24 months we will let you refinance again for FREE!

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 Shamrock Insurance Services.

    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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Want to use the equity in your current home as a downpayment on your new home?

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