Rooftop of a house


HomeTrust Bank offers many mortgage options for buying a house

Purchasing a home is a huge decision that can have lifelong financial impact. Whether you’re a first-time homebuyer or a seasoned pro with many home purchases, having a trusted financial partner to help you navigate the process makes things easier.

HomeTrust Bank mortgage experts are experienced and focused on developing long-term relationships. We listen carefully, handle your loan personally, and are involved in your community so you know you are in good hands.

There are many steps to buying a home; one of the most critical steps is getting a loan. Before you begin shopping for a home, it’s important to get pre-approved so you know exactly how much home you can afford. Learn more about the pre-approval process now. HomeTrust Bank mortgage experts can help you get pre-approved now!



Home loans come in many different shapes and sizes. We offer affordable options, competitive interest rates, and an online application process. Here are a few examples of loans available through HomeTrust Bank:

Fixed-rate loans

The most common type of home loan is a fixed-rate mortgage. With this loan the interest rate remains the same for the life of the loan regardless of the number of years you select for your home loan.

Adjustable-rate loans

With adjustable-rate mortgages (ARMs) the interest rate and monthly payment move up and down with fluctuating market rates. ARMs are named with two numbers; the first number is the time period where the interest rate is fixed and the second indicates the period of time when the interest rate may change.

Construction to permanent loans

With our construction loans, you make interest only payments during the building process, giving you greater flexibility. They are used for new construction, renovation, and renovating new purchases.

Government guaranteed loans

These loans include FHA loans that offer a minimal down payment, USDA loans that let you borrow with no money down within certain geographical locations, and VA loans for veterans and service members.

HomeReady® Loans

HomeReady loans include expanded eligibility guidelines and consider the many financial challenges faced by home buyers.


Many of these loans are good for first-time homebuyers. Our mortgage experts are happy to explain these loans in simple terms and help you get pre-approved.