home goals start here.

Buy. Improve. Unlock. Celebrating 90 years of new possibilities.

Special Home Financing Opportunities

June 1st - June 30th

For 90 years, MidWest America has helped members turn goals into milestones and houses into homes. Whether you're buying your next home, tackling long-awaited improvements, or putting your home's equity to work, we're here to help you move forward with confidence.

This June, we're celebrating our 90th Anniversary with special home financing opportunities designed to help make what's next possible.

5/5 Adjustable rate Mortgages

Open new doors.

Looking to purchase a home or refinance your existing mortgage? Our 5/5 Adjustable-Rate Mortgage offers a competitive introductory rate designed to help make homeownership more affordable.

Featured Rate

As low as 4.90% rate1

Benefits

• Competitive introductory rate
• Available for home purchases and refinances
• Personalized guidance from local Mortgage Specialists
• Local decisions and local service

Is a 5/5 ARM Right for You?

A 5/5 Adjustable-Rate Mortgage features an initial fixed-rate period followed by periodic adjustments based on market conditions. It can be a great option for borrowers who want a lower initial rate and payment flexibility.

Apply Online

ARM mortgages
1 5/5 Adjustable-Rate Mortgage APR = Annual Percentage Rate. Rate of 4.90% with an APR of 6.256%. The information provided assumes the purpose of the loan is to purchase a property, with a 5/5 Adjustable-Rate Mortgage (ARM) loan amount of $160,000 and an estimated property value of $200,000. The property is located in Indiana within Allen County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 780. The rate lock period is 60 days. This rate is not guaranteed and is subject to change without notice. Actual rate, APR, and terms may vary based on credit profile, loan-to-value ratio, debt-to-income ratio, property characteristics, and market conditions. Subject to credit approval and underwriting guidelines. After the initial fixed-rate period, the interest rate, APR, and payment may increase based on market conditions. Offer valid June 1, 2026 through June 30, 2026. Applications must be submitted by June 30, 2026.
 

Get it Done Home Loans

Affordable, low-cost home refinance product with unlimited potential.

Want to pay off your debt faster? Waiting for the perfect time to refinance? Refinance your home at a low fixed rate with a Get it Done home loan. 

Featured Rate

  • As low as 4.90% for 7 years2
  • As low as 5.15% for 10 years
  • As low as 5.40% for 13 years

The loan origination fee is only $399, but it is discounted to $299 with Relationship Perks. With this special program, you can refinance your existing first mortgage balance or combine your existing 1st and 2nd mortgage balances. Contact us for more details.

For example, with a loan amount of $60,000 for 7 years at a rate of 4.90%, the APR would be 5.102% with the $399 loan origination fee included.  The approximate payment would be $850.93 per month. With a loan amount of $60,000 for 10 years at a rate of 5.15%, the APR would be 5.298% with the $399 loan origination fee included.  The approximate payment would be $645.16 per month. With a loan amount of $60,000 for 13 years at a rate of 5.40%, the APR would be 5.519% with the $399 loan origination fee included.  The approximate payment would be $539.79 per month. 

Apply Online

Get it Done Home Loans
2 Based on a loan amount of $60,399 with no points, a 10-year mortgage with a rate of 5.15%, and APR of 5.298% would result in a monthly payment of $645.16 per month with the $399 loan origination fee included. APR = Annual Percentage Rate. The payment example does not include amounts for taxes and insurance. The Get It Done Home Loan is a first-lien mortgage on an owner occupied property and is not eligible for real estate purchase transactions. The $399 fee is a loan origination fee and could be higher if an appraisal is re quired. Appraisals will be required on all loan amounts exceeding $250,000 or CLTV in excess of 80%. Loan amounts in excess of $250,000 may require title insurance and will be paid for by the borrower. Borrower will be responsible for cost of subordinating any junior liens currently in force on the subject property. All applications will be subject to credit review and approval. Actual interest rate charged will be based on the highest of the credit scores of all applicants . This does not constitute a commitment to lend and not all applicants will qualify. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply. Offer valid June 1, 2026 through June 30, 2026. Applications must be submitted by June 30, 2026.
 

2nd Fixed Mortgage

Unlock new possibilities.

Your home may hold more opportunity than you realize. A Second Fixed Mortgage allows you to access your home's equity while maintaining the mortgage you already have in place.

Benefits

  • As low as 5.90% fixed interest rate3
  • Predictable monthly payments
  • Terms available up to 120 months
  • Access your home's available equity
  • Keep your existing first mortgage in place

Apply Online

2nd Mortgages
3 Second Fixed Mortgage - APR = Annual Percentage Rate. Rates and applicant qualifications may vary. Loans are subject to a one-time $199 processing fee. APR on a $60,000 loan is 5.977% based on a rate of 5.90%, resulting in an approximate monthly payment of $665.43 for a 120-month term with the $199 fee included. Maximum amount financed is $350,000 or up to 100% of appraised value minus the first mortgage balance. An AVM is required on loan amounts from $50,000 to $100,000. An appraisal is required on all combined loan-to-value ratios exceeding 80% or loan amounts above $100,000. Property must be located within a 100-mile radius of any MidWest America branch. Subject to credit approval and underwriting guidelines. Programs, rates, terms, and conditions are subject to change without notice. Other restrictions may apply. Contact a Mortgage Specialist for complete details. Offer valid June 1, 2026 through June 30, 2026. Applications must be submitted by June 30, 2026.

 

 

Best Rates

We pass along our profits to you.