Home Loans

Flexible mortgage options to help you purchase, refinance, or improve your home.

Loans for Your Home

Home loans are unique—just like you. That’s why Summit Choice Credit Union offers personalized mortgage solutions designed to fit your lifestyle and homeownership goals. Whether you’re buying your first home, refinancing your current mortgage, or tapping into your home equity, we can help you find the right option.

Apply Today Home Loan Toolkit Contact Us

First‑Time Homebuyer Programs

Buying your first home is a major milestone. Our home loan experts are here to guide you through the process—from determining what you can afford to selecting the best mortgage for your needs. With pre‑approval, you can shop for homes with confidence.

Home Loan Options

Flexible programs designed to help you buy with confidence.

Equal Access Mortgage

At Summit Choice Credit Union, we believe everyone deserves a shot at homeownership. Our Equal Access Mortgage helps members in low‑income communities secure financing with as little as 1% down.

This program removes key barriers and makes home buying more attainable for qualified borrowers. Talk with a mortgage specialist to see if you qualify.

Community Heroes Mortgage

This special mortgage program honors those who serve the community—including first responders, medical professionals, educators, and more. As a thank you, eligible members may qualify for up to 100% financing, helping keep more of your hard‑earned money in your pocket as you purchase your dream home.

Second Mortgage

Need funds for renovations, debt consolidation, education, or a big purchase? A Second Mortgage lets you access the equity in your home that you already own. In many cases, the interest you pay may be tax deductible. A second mortgage can simplify your finances by rolling multiple bills into a single payment.

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit uses the equity you’ve built in your home to provide flexible access to funds when you need them most. Whether you’re fixing up the house, consolidating debt, or funding education costs, a HELOC lets you borrow against your home’s value with competitive terms.

Fort Wayne Mortgage Lenders

Christopher Powell
Mortgage Loan Supervisor
MLO/NMLS #1777295
Phone: 260-469-5961
Mortgages@fpccfcu.org

Julie Sherwood
Mortgage Loan Specialist
NMLS# 1064185
Phone: 260-918-6340

Home Insurance Program

As a member of Summit Choice Credit Union, you’re eligible to explore discounted homeowners or condo insurance options through our partners. In addition, if that option doesn’t fit your needs, you can compare quotes from multiple national and regional carriers to find the best coverage and price for your home.

Get a Quote