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Home Loan Center


View rates and terms

Contact Sarah for help with your home financing

  • Sarah Hutchins, Mortgage Loan Officer
  • Office: 207 221-5000 EXT 331
  • Cell: 207 233-0394
  • NMLS# 1660415

3% Down - Home Purchase 1

  • Low down payment
  • No Fannie Mae or Freddie Mac fees
  • No Upfront Mortgage Insurance Premiums (FHA requirement)
  • Serviced at Evergreen
  • Low fixed rate

10% Down NO PMI - Home Purchase1

  • Low down payment with no PMI required
  • No Fannie Mae or Freddie Mac fees
  • Serviced at Evergreen
  • Low fixed rate

15-year Home Mortgage Refinance NO Closing Costs 2

30-year Fixed Mortgage with $500 credit 

  • As low as 3.875% rate | 4.027% APR 3
  • $500 credit towards closing costs 4 

Home Equity Loan Options

Evergreen - Local Financing Leader

  • Benefit from our local knowledge of the community
  • Fast and local decision making

Home financing tools and tips

Land Loans

Evergreen CU also offers members competitive land loans.

  • Up to 60% financing
  • Up to 12 years

Please contact us for rates.

Annual Percentage Rate (APR) as of 08/22/17. Rates subject to change without notice.  

Primary residence only.  Not all applicants will qualify.  Must have 680+ credit score.  Maximum debt to income (DTI) of 50%.  Other terms available. 

2 80% loan-to-value on primary residence / owner-occupied properties only.  Minimum loan amount $50,000.  1st Lien only.  Promotion NOT available on the refinance of an existing Evergreen home equity or mortgage loan. Available on condominiums on primary residence only. Property hazard insurance is required.  Estimated monthly payment: 15 year loan at 3.99% = $7.39 per $1,000.

3 Rates are based on a minimum $100,000 loan amount with zero points. Up to 90% loan-to-value on primary owner-occupied residence. Loans above 80% will require private mortgage insurance approval. Estimated monthly payment: 30 year loan at 4.027% = $4.79 per $1,000. The monthly payment amount shown includes principal and interest and does not include property taxes, property insurance, flood, and mortgage insurance (if applicable). An escrow account for property taxes, hazard insurance, flood insurance, and PMI (for loans over 80% loan-to-value) will be required. The final APR may vary based on your final loan amount, points and finance charges. Not all applicants will qualify for the lowest rate. 

This promotion includes up to $500.00 in lender credits towards closing costs, and is a limited time offer that may change at any time.