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FIND THE RIGHT MORTGAGE FOR YOU

We’ve got you, whether you’re buying, building, updating or refinancing. Plus, we have a wide range of resources for first-time homebuyers.

Mortgage Calculators | Apply Online Now | Assistance Programs | Connect with Mortgage Expert | Borrow Using Your Home Equity | Manage Your Mortgage

Let’s Get Started

  • A family moving into their new home

    FIND THE RIGHT MORTGAGE TYPE

    Use Selector

    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.

  • A couple looking at their monthly budget

    CALCULATE YOUR BUDGET

    Use Calculator

    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

  • A woman looking for mortgage options online

    GET PREQUALIFIED

    Connect Today

    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:

    • Your spending limit is clearly defined
    • You’re a more attractive buyer to sellers You’ll have increased bargaining power
  • A couple getting handed keys to their new home

    BUYING YOUR FIRST HOME?

    Get Insights

    Get the info you need:

    Plus, our lenders can walk you through the process — and explain what’s available, including:

    • Low down payment options4
    • FHA and VA mortgages2
    • Conventional fixed- and adjustable-rate mortgages

Current Mortgage Rates*

View our current mortgage interest rates for our popular loans. For a customized rate get connected to a Mortgage Loan Expert today!

Purchase

Product Rate APR
15 Year Fixed 5.500% 5.562%
30 Year Fixed 6.125% 6.163%
Jumbo 30 Year 5.750% 5.759%
5/6mo SOFR ARM 5.250% 5.284%
FHA 30 Year 5.500% 6.991%
Construction 30 Year 5.750% 5.795%
Construction 15 Year 5.250% 5.325%
VIEW ADDITIONAL PURCHASE RATES & DETAILS

Refinance

Product Rate APR
15 Year Fixed 5.500% 5.562%
30 Year Fixed 6.125% 6.163%
Jumbo 30 Year 5.750% 5.759%
5/6mo SOFR ARM 5.250% 5.284%
FHA 30 Year 5.500% 6.991%
VIEW ADDITIONAL REFINANCE RATES & DETAILS

* 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 02/03/2023. 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.

Special Assistance Programs

Old National offers a variety of mortgage options, including government and first-time homebuyer products.1 These can provide down payment and closing cost assistance for eligible borrowers.2,4 Reduced interest rates may also be available with some.

Connect with a Mortgage Expert Today

Looking to get prequalified? Shopping for rates? Ready to make a move on a home you love? Whatever your needs, our lenders can help!

More About Getting a Mortgage

A couple getting keys to their new house

WHAT IS AN ADJUSTABLE RATE MORTGAGE (ARM)?

Learn how it works — and how it compares to a fixed rate mortgage.

Read More

Typing on a calculator

CALCULATE A MORTGAGE PAYMENT

What could your monthly mortgage payment be?

Go to Calculator

A young couple having breakfast together

IS A LOW DOWN PAYMENT RIGHT FOR YOU?

A mortgage down payment of 20 percent may not be necessary to get a home.

Learn More

A young mother plays with her children in a renovated family room financed by a home improvement loan

HOME IMPROVEMENT LOANS

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?

Get More Info

A couple building their dream home

IS A CONSTRUCTION TO PERMANENT LOAN RIGHT FOR YOU?

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.

Learn How It Works

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.