Personalized service, competitive rates, and fast processing — that’s what we provide.

What we get most excited about: helping homebuyers understand all of the options available to them.  For example, did you know that you don’t necessarily need to make a 20 percent down payment to purchase a home? In fact, we offer several no and low-down payment loans.

Ways to Verify Home and Auto Insurance:

  • Call: 1-800-653-8812
  • Online:
  • Mail: Member One FCU, Control #4198, PO Box 4266, Carmel, IN 46082

Meet the Team

We don’t believe that getting a mortgage should be complicated. 

Our mortgage professionals are knowledgeable, they’re local, and they love seeing our members move into their dream homes. Meet with one of our friendly real estate experts to get started on the road to your new home. 

Julie Nicely       

Teresa Davis      

Teresa Davis     

Julie Nicely
540-982-8811 ext. 9189
NMLS# 211305

Teresa Davis
540-982-8811 ext. 9454 
NMLS# 1740602

Melissa Hughes
540-982-8811 ext. 9144
NMLS# 1136503

Meet Julie

Apply with Julie

Meet Teresa

Apply with Teresa

Meet Melissa

Apply with Melissa

Where to start: 

Download our mortgage application checklist to make sure you’ve got all the paperwork you’ll need. Then stop by for a free, no-obligation consultation with us. We’ll be happy to go over your options on saving for down payments, lowering debts, or anything else that can help get you into your new home faster.

No Down Payment Loans
  • For veterans
  • In rural areas
  • Within eligible income limits and/or home price limits
Low Down Payment Loans
  • As low as 3% down for conventional loans
  • As low as 3.5% down for borrowers who may be rebuilding credit

We can help you choose the down payment option that’s right for you.

2nd Mortgage

Fell in love with a fixer-upper? Consider a 2nd mortgage — you may be able to use your equity for renovation costs. A 2nd mortgage is a great way to invest in yourself by increasing the value of your home. (You can use one for other expenses, too.) Ask us to learn more!


We’re here to help long after the sale has closed and the boxes are unpacked. If you already own a home and want a better rate and/or different term on your current mortgage, ask us about our refinancing options with great rates.

Home Equity Line of Credit

Click here to learn more about how you can borrow against the equity in your home for renovation, college, debt consolidation, or other expenses.

Become a Member

Experience the credit union difference with great options for every stage of life, modern-day conveniences you expect, and local, personalized service.

Learn more about credit union membership