Your Dream Home in Kokomo Starts with a Local Mortgage
Buying a home is the biggest financial decision of your life. Don't trust it to a 1-800 number or an algorithm.
When you're looking for Mortgage Loans in Kokomo, IN, you deserve a partner who understands our local market—from the historic homes near Highland Park to the new developments on the South Side.
At Encompass Credit Union, we aren't a bank. We are a not-for-profit financial cooperative. That means we don't answer to Wall Street stockholders; we answer to you.
The Credit Union Difference
Competitive Interest Rates: We focus on providing fair, transparent rates and passing value back to our members in other ways.
Low Closing Costs: We keep our fees low so you can keep more cash in your pocket for moving day.
Local Decision Making: Our loan decisions are made right here in Indiana, not in a skyscraper in New York.
Community Focused: We live, work, and worship in Tipton, Clinton, and Howard Counties just like you.
Mortgage Options Tailored to Your Budget
Whether you are buying your very first home or upgrading to your forever home, we have a loan option that fits.
Fixed-Rate Mortgages: Lock in a stable rate for the life of your loan. Perfect for buyers who want predictable monthly payments that never change.
Adjustable-Rate Mortgages (ARM): Take advantage of lower initial rates. A great option if you plan to move or refinance in a few years.
Guidance for Homebuyers: Confused by the process? Our local lending experts will walk you through every step, from pre-approval to closing.
Not sure which loan is right for you? Check our current Rates & Fees to see our offers, or use our Mortgage Refinance Calculator to crunch the numbers yourself.
The "Local Advantage" in Kokomo Real Estate
When you make an offer on a house in Kokomo, who your lender is matters. Real estate agents and sellers in Howard County know and trust Encompass Credit Union.
When they see a pre-approval letter from us, they know your financing is solid. Unlike big online lenders that often delay closings with red tape, we are known for closing on time, every time.
We serve all of Howard County, including:
Kokomo
Russiaville
Greentown
And surrounding communities!
How to Get Started (It’s Easier Than You Think)
We’ve stripped away the complex banking jargon to make your application simple.
Check Your Eligibility: If you live, work, worship, or attend school in Howard County, you are eligible to join!
Get Pre-Approved: Knowing your budget gives you bargaining power.
Find Your Home: Shop with confidence knowing your financing is ready.
Close & Celebrate: We’ll handle the paperwork so you can focus on getting the keys.
Ready to Move In?
Don’t let rising rates or high fees keep you from your dream home. Join the thousands of neighbors in Kokomo who trust Encompass Credit Union for their home lending needs.