Everwise Benefits: * Wide Variety of Mortgage Products * Fixed and Variable Rates * First-time Homebuyer Programs * Low Down Payment Options and Flexible Repayment Terms * On-Line Preapproval * Most loan requests can be preapproved within minutes of your application * Comfortable Mortgage Experience As a Credit Union, Everwise is member-owned and operated. We want to be your mortgage lender for this home and your next.