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If you're buying or building a home, try our mortgage selector tool. Answer a few questions about your specific needs, and our selector can help you determine which may be the best option for you.
There are several key ratios that lenders consider when determining your ability to obtain a mortgage loan. As a general rule, your total monthly expenses should not exceed 43% of your gross monthly income. Our Home Affordability calculator can help determine how much home you can afford.7
Before you even begin, our lenders can pre-qualify you for a home loan. The process is quick and easy, with an answer in minutes.
Once you are pre-qualified for a mortgage:
Get the info you need:
Plus, our lenders can walk you through the process — and explain what’s available, including:
View our current mortgage interest rates for our popular loans. For a customized rate get connected to a Mortgage Loan Expert today!
| Product | Rate | APR |
|---|---|---|
| 15 Year Fixed | 5.875% | 5.955% |
| 30 Year Fixed | 6.625% | 6.675% |
| Jumbo 30 Year | 6.625% | 6.636% |
| Jumbo 5/6mo SOFR ARM | 6.250% | 6.261% |
| Construction 30 Year | 6.625% | 6.685% |
| FHA 30 Year | 6.125% | 7.718% |
| VA 30 Year | 6.250% | 6.528% |
| Product | Rate | APR |
|---|---|---|
| 15 Year Fixed | 5.875% | 5.955% |
| 30 Year Fixed | 6.625% | 6.675% |
| Jumbo 30 Year | 6.625% | 6.636% |
| Jumbo 5/6mo SOFR ARM | 6.250% | 6.261% |
| FHA 30 Year | 6.125% | 7.718% |
| VA 30 Year | 6.250% | 6.528% |
* All loan products are subject to credit review and approval. Property insurance is required for loans secured by real estate. Advertised rates are effective as of 07/22/2025. Depending on your credit score, down payment, loan amount and other product requirements and features, your rate could be higher or lower than the rate examples showcased above. Rate and payment examples provided on our product pages do not include costs for insurance and taxes; therefore, the actual payment obligation will be higher based on any escrow requirements. Additional finance charges and closing costs apply. Please contact your Mortgage Loan Officer for specific, customized pricing quotes to match your financial situation.
States where an Old National Relationship is Required First*
*Must have an existing Old National Private Banking, Wealth, Commercial or Retail relationship and a minimum of $50,000 on deposit.
States where an Old National Relationship is Required First*
*Must have an existing Old National Private Banking, Wealth, Commercial or Retail relationship and a minimum of $50,000 on deposit.
Learn how it works — and how it compares to a fixed rate mortgage.
A mortgage down payment of 20 percent may not be necessary to get a home.
A personal loan for home improvement can give you fast cash with minimal application fees and no collateral. Is it the right choice for you?1,3
You may be able to build your dream home from the ground up. This financing option gives you the opportunity to turn your plans into reality.
1 All loans are subject to credit review and approval. Property insurance required for all loans secured by real estate. Rates are subject to change daily. Contact your Old National Banker or Residential Lender for current loan rates. NMLS #459308.
2 Down payment assistance programs are subject to availability. Subsidies range between $3,000 and $6,000.
3 This line of credit account has a draw period of 10 years, after which you will no longer have access to borrow funds and any outstanding balance will be automatically converted to a 20 year fully amortized repayment period.
4 Low down-payment programs require you to take out private mortgage insurance, or PMI, to further defray the risk to the lender. This also adds to the cost of a low down-payment mortgage.
5 Program conditions subject to change without notice. Construction must not have already been started. Property must be located in Illinois, Indiana, Iowa, Wisconsin, or Michigan. Property insurance required.
6 Available on first mortgage purchase transactions on owner-occupied residences only. Borrower must commit to moving his/her banking relationship to Old National and be open to being introduced to a Private Banker. Other restrictions may apply. See bank for details.
7 Calculations are for estimated analysis only. Results are not indicative of any actual loan terms or payment amounts. Please contact a Residential Lender for current rates and to get your free personalized rate quote.
8 Rates, terms, and conditions effective 12/19/2024 for applications received through 9/30/25. Subject to credit approval. Property insurance is required for all loans secured by real estate. Rates are subject to change daily. Contact your Old National Banker or Residential Lender for current loan rates. NMLS #459308. Other restrictions may apply, see bank for details. The line of credit has a draw period of 10 years, after which you will no longer have access to borrow funds and will be required to repay the borrowed balance within a 20-year term. During the draw period there is an introductory variable rate discount in effect for the first 6 billing cycles, based on a 1.50% discount resulting in an APR of 1.65% below the prime rate as published in the Wall Street Journal. After the introductory period expires, the variable rate for the account will be based on The Wall Street Journal prime rate (plus or minus a margin) which is currently 7.10%. During the repayment period the rate will be fixed based on the rate at the end of the draw period plus a margin which is currently 3.00%. APR examples provided above are based on the highest credit tier with an LTV of 60% or less and includes an optional 0.25% rate reduction available at origination for enrolling in automatic loan payments drawn from an ONB checking account. ONB associates may select the associate discount or Private Banking discount, not both, in addition to the promotional discount. Maximum APR is 21%, minimum APR is 0.99%. The initial $50 annual fee is waived. During the draw period the minimum monthly payment will be equal to the interest that accrued on the outstanding balance during the preceding billing cycle or $50, whichever is greater. During the repayment period the minimum monthly payment will be based on the balance at the end of the draw period amortized over 20 years or $50, whichever is greater. If you close or refinance your line of credit within 3 years, a Reimbursement fee will be assessed for the lesser of $300 or the amount paid to third parties to recover the closing costs paid on your behalf plus, in MN, the Mortgage Registry Tax (MRT) or Deed Stamp Tax paid on your behalf where applicable. Old National reserves the right to extend or discontinue this offer at any time. Equity Access Cards are not available to Kentucky residents.
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