Mortgage Loans 

Buying a home is one of the biggest financial decisions you’ll make—and choosing the right lender matters. At U S #1364 Federal Credit Union, we offer competitive Indiana mortgage rates, flexible loan options, and personalized support to help you secure the home you want with confidence.

Whether you're comparing credit union mortgage rates, evaluating Valparaiso mortgage lenders, or searching for the most affordable home mortgage rates in Indiana, our experienced team is here to guide you.

Why Homebuyers Choose USFCU

Choosing a trusted, local mortgage lender can make your homebuying experience smoother and more affordable. As a federal credit union mortgage lender, we’re committed to personalized financing solutions and transparent guidance you can rely on.

• Competitive Indiana mortgage rates, including some of the best mortgage rates in Northwest Indiana
• Fixed-rate and adjustable-rate mortgages (1/1, 3/1, 5/1 ARMs)
• Flexible terms tailored to your budget and long-term goals
• Programs designed for first-time homebuyers
• Fast turnaround times without sacrificing attention to detail
• Knowledgeable Northwest Indiana mortgage lenders who understand the local market

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 Experienced Mortgage Lenders in Northwest Indiana

Home loans don’t need to be complicated. Our lending team takes the time to understand your goals and match you with the Indiana mortgage rate and loan structure that fits your budget. Whether you’re comparing Valparaiso mortgage rates, researching credit union mortgage rates, or looking for the best federal credit union for mortgage loans, USFCU provides the clarity and expertise you can trust.

We also provide:

• Personalized mortgage consultations
• Fast, easy prequalification
• Guidance for homebuyers in Valparaiso, Merrillville, Portage, and surrounding Northwest Indiana communities
• Clear explanations of mortgage terms, rates, costs, and timelines

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 First-Time Homebuyers Welcome

Buying your first home is exciting, and we’re here to make it easier. Our specialists offer step-by-step first-time homebuyer mortgage guidance—from understanding your budget to comparing rate options. We’ll explain each part of the process clearly and help you determine what you can comfortably afford.

Our goal is to make your first home purchase smooth, supported, and financially smart.

Serving Valparaiso & All of Northwest Indiana

If you are looking for a reliable, local mortgage lender in Valparaiso or the surrounding area, our team is ready to meet with you. Mortgage applications are taken by appointment so you receive personalized, one-on-one support from our lending specialists.

Valparaiso OfficeElizabeth and Valerie – U S FCU Mortgage Specialists
334 W. US HWY 30
Valparaiso, IN 46385
219-548-4600

Current Indiana Mortgage Rates

Below are our latest home mortgage rates for fixed and adjustable terms. These rates reflect current market conditions for homebuyers in Valparaiso, Merrillville, Portage, and communities across Northwest Indiana.

If you're unsure which rate you may qualify for, our team is happy to walk you through your options and explain how today’s mortgage rates in Indiana may affect your monthly payment.

Ready to Get Started? Call Today

Buying a home is a big step—let us help you move forward with confidence.  Our lending team looks forward to helping you with your mortgage needs. To speak with a mortgage specialist or schedule an appointment: