First Time Homebuyers

We work closely with first-time homebuyers to make your first home a reality. We'll walk with you through the lending process to ensure you're choosing the right options based on your financial goals. We understand FHA, USDA, and VA government-backed mortgage programs designed for low-to-moderate income borrowers that offer flexible lending requirements and low- to no- downpayment options.

Start with Mortgage Pre-Approval
Mortgage pre-approval is a simple application process to determine if you qualify for a mortgage, primarily based on your credit and income information. If you do qualify, a pre-approval has many benefits. It will let you know how much house you can afford and show home sellers you are serious about a home purchase.

Talk to a lender to make your "someday" happen today!

FHA Loans

Loan programs targeting first-time homebuyers and low-to-moderate income families.

FHA loans support affordable homeownership and refinancing for qualified Hoosier borrowers.

Flexible qualification criteria
Low down payment
Gifts for down payment allowed
Fixed & adjustable-rate options
Loan terms from 10-30 years

USDA Loans

Loan programs designed for low-to-moderate income households in USDA-eligible rural areas.

USDA programs provide a path to homeownership for Central Indiana families who have no other way to make affordable homeownership a reality.

No down payment & gifts allowed for down payment
Lower than market average fixed-rate
Flexible terms
Flexible credit guidelines

VA Loans

Primarily designed for US veterans, current active-duty service members, and some surviving spouses.

VA loans provide housing-related benefits, including loan guaranties.

Competitive fixed & adjustable-rate options
No mortgage insurance premiums (PMI)
Closing costs capped at 3%, and can be paid by the seller
Flexible terms
Flexible credit guidelines

Resources

Toolkit ARTICLE Calculators Checklist BLOG

Your Home Loan Toolkit can help you make better choices along your path to buying a home.

DOWNLOAD

Mastering the Home Buying Process: A Buyer's Guide. New Castle Realtor Krista Gibson shares her insights into home shopping and buying.

READ

These Mortgage Calculators can help you make the financial decisions involved in purchasing or refinancing a home.

CALCULATORS

The Truth About Buying Your First Home
gives the guidance you need to prepare, plan, and build a strong foundation for successful homeownership.

DOWNLOAD YOUR FREE GUIDE NOW

Stay on top of your mortgage education with expert insights on everything from PMI to refinancing. Our Mortgage Wellness Blog is your go-to resource for smarter home financing decisions.

ACCESS ARTICLES

Meet Your Central Indiana Home Loan Team

From pre-approval through loan closing, our team of Lending Specialists is knowledgeable, experienced, and capable. From Hartford City to Rushville, Carmel to Union City, no mortgage lending team understands Central Indiana better. They can help you find the loan that’s right for you.

Cassandra Miller

Mortgage Team Leader

P: 765-521-6545

M: 765-274-1008

NMLS: 647312

New Castle - Broad Street
Rushville

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Ken Hall

Regional Mortgage Loan Officer

P: 317-844-5170

M: 317-752-3160

NMLS: 623077

Pendleton
Carmel
Fishers

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Melanie Parker

Regional Mortgage Loan Officer

P: 765-348-1055

NMLS: 500071

Hartford City - Walnut Street
Knightstown
New Castle - Raintree
Union City

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First-Time Homebuyers

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Resources

Mortgage Blog Articles

The Cost of a Mortgage: A Comprehensive Guide

Mastering the Home Buying Process: A Buyer's Guide

Home Equity Borrowing

Meet Your Central Indiana Home Loan Team