Mortgages that let you realize your dreams

One of the most important financial decisions you make involves your home, whether you’re building, buying or refinancing to take out cash or lower your interest rate. Going through the process can be hard, but there’s no reason getting a loan has to be.

At HomeTrust Bank, home loans are an integral part of our history, and we know exactly what’s involved. HomeTrust mortgage experts can outline traditional financing options, construction-permanent loans, refinancing or home equity lines of credit. We work with you to review your financial needs and recommend the best options based on those needs.

Check out our current rates.

Build it

HomeTrust’s Construction-Permanent Loan funds construction AND provides permanent financing, so you don’t have to go looking for another loan.

  • One-time closing simplifies the entire process
  • Up to 90% financing available
  • Quick disbursements available
  • Flexible mortgage terms

Buy it

Buying a home is an exciting, challenging, and rewarding endeavor. Knowledgeable, friendly loan experts can answer your questions, explain the details, and help you decide on the best loan to meet your personal financial needs.

  • Minimum or no down payment
  • Low closing costs
  • No down payment for USDA loans
  • Fixed rates and adjustable rate loans available for up to 30-year terms

Refinance it

Refinancing can provide you with cash if you need it, whether it’s for an emergency or the realization of a long-term dream. Refinancing can also help you lower your interest rates, reducing your monthly payments.

  • Wide variety of terms, up to 30-year loans
  • Reduced closing costs
  • Streamlined processing means you get your new loan quickly

We also offer home equity lines of credit.

Learn more at Mortgage FAQs or contact a loan officer at a HomeTrust Bank location near you.

All loans and lines of credit are subject to credit approval.