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.

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
Your Home Loan Toolkit can help you make better choices along your path to buying a home.
Mastering the Home Buying Process: A Buyer's Guide. New Castle Realtor Krista Gibson shares her insights into home shopping and buying.
These Mortgage Calculators can help you make the financial decisions involved in purchasing or refinancing a home.
The Truth About Buying Your First Home
gives the guidance you need to prepare, plan, and build a strong foundation for successful homeownership.
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.
Mortgage Blog Articles
Mastering the Home Buying Process: A Buyer's Guide
February 21, 2025 • Krista Gibson
Home Equity Borrowing
August 20, 2024 • Leah Driver
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
Ken Hall
Regional Mortgage Loan Officer
P: 317-844-5170
M: 317-752-3160
NMLS: 623077
- Pendleton
- Carmel
- Fishers
Melanie Parker
Regional Mortgage Loan Officer
P: 765-348-1055
NMLS: 500071
- Hartford City - Walnut Street
- Knightstown
- New Castle - Raintree
- Union City