Carmel, Indiana

Welcoming You Home

Meet Our Team

The GVC Mortgage Carmel Team

Carla Jackson

Branch Manager, NMLS# 144299

States Licensed in: IN, MI

Apply with Carla

Jeff Harris

Mortgage Consultant, NMLS# 1724199

States Licensed in: IN

Apply with Jeff

Members of our team are licensed in Indiana and Michigan, which means we can help you with home financing throughout either of those states.

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About GVC Mortgage Carmel

When it comes to the Indiana mortgage process, we believe three things set GVC Mortgage Carmel apart from other Indiana mortgage lenders. First, we value communication and make it one of our top priorities with every client. We provide weekend and evening hours because you may not be able to pick up the phone during a weekday. Second, we bring decades of experience in the real estate and financial worlds to every borrower. We’re able to provide the guidance homebuyers need because we’ve seen just about everything. And lastly, we understand you don’t want to wait months to close on your home, which is why we provide fast processing. While other mortgage companies can take months, we can move your file from application to closing in two weeks, depending on the loan program.

Our focus on your success is a direct result of these three pivotal areas. As a Carmel, Indiana mortgage lender, we’re proud to offer our services and homebuying options to the communities around us. We provide a range of loan program options like FHA home loans, USDA home loans, VA home loans, Conventional home loans, and more which allows us to better serve homebuyers.

How Can We Help You?

The Mortgage Process

We understand you might be intimidated by the “perceived” mortgage experience, the process is typically seen as slow, intimidating, and tedious, but we’re here to change that. With quick service and superior communication, the GVC Mortgage Carmel team is changing the game. Every day, we do our best to reduce stress, increase personalization, and create a seamless experience. Whether you are a first-time homebuyer or a fifth-time homebuyer, we’re here to help you accomplish your goals.

Step 1: Talk to a mortgage consultant

The first step is to let our team know that you’re interested in purchasing a home. During this step, we’ll collect information and discuss your housing interests and financial situation. Typically, this is done through a private phone or in-office consultation. The goal of the consultation is to learn about the type of home you’re looking for, where you’re looking to purchase, and how much you can spend. We’ll pre-qualify you for your home loan and create a mortgage file proposal specifically for you.

Step 2: Apply for your home loan

Underwriting is the step in the process that many homebuyers find stressful, but we’re with you the whole way. Our goals are based on your goals and because we’re committed to communication, you’ll know something as soon as we know something. The underwriters will be looking over your documents and verifying that you meet the loan programs specific guidelines. At GVC Mortgage, we use local underwriters, which allows for quick turnaround times of 24 hours.

Step 3: Close on your dream home

Once you’re approved, we’ll start working on review, title work, and appraisal. This is all about making sure the terms of your mortgage loan are beneficial and will help you accomplish your home goals. When we have everything ready to go, we’ll submit to the underwriters for finalization. Typically, you’re cleared in 24 hours and we can schedule the closing! Once we schedule the closing, be prepared to sign a bunch of paperwork. After the i’s are dotted and t’s crossed, you’ll get the keys to your new home and you can finally move in!

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Finding the Right Mortgage Loan Program

Because no two homebuyers are the same, no two home loan programs are the same. It’s all about your qualifications as a buyer, your location, and your financial situation. The team at GVC Mortgage Carmel has access to a wide variety of loan programs that are designed to help you achieve your goals of homeownership.

FHA Loans

FHA home loans are designed provide flexible guidelines for homebuyers. Removing barriers traditionally associated with mortgage programs, FHA loans offer lower down payment options and easier credit qualifications.

USDA Loans

USDA home loans provide financing for those looking to purchase in rural settings. As a rural development program, USDA loans offer zero down payment mortgage solutions for qualifying borrowers and properties.

VA Loans

Created specifically for active military personnel, veterans, and U.S. Military families, VA home loans offer qualified borrowers a no down payment loan option with lower credit score qualifications.

Conventional Loans

Conventional home loans are great for those who have saved the traditional 20% for a down payment, though smaller down payment options exist for Conventional home loans, as well.

Have a Question About Our Loan Programs?

Frequently Asked Questions

What are the best mortgage loan programs for Carmel?


The best mortgage loan program isn’t just about where you live. Property location does play a role in finding the right loan program, but it’s also about your financial situation. As a Carmel mortgage lender, we pride ourselves on helping you find the right mortgage loan program for your individual situation.

No two programs are the same, which means there is a right one for your goals and situation. As a mortgage lender, we only make recommendations after you understand both your goal and situation. Because we provide such a wide range of loan program options, we’re able to truly find the right one for you, which can save you time and money in the long run.

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How do I buy a home in Carmel, Indiana?


As a Carmel mortgage company, we understand the buying process forward and backward. The first step, no matter how many times you’ve gone through the process, is to contact our team. We’ll take your information and get you pre-qualified for your home loan. It’s all about understanding your goals and how we can help you achieve them. Once we understand that, we’ll make a recommendation on what loan program is right for you.

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How long does the Carmel home buying process take?


Unfortunately, we can’t answer this question without fully knowing your situation. However, a commitment to communication can help move the process along and we can help you close on a home in 2 weeks or less, depending on the loan program. Because you need to be pre-approved for your loan, find a home, negotiate the sale price of the home, have the home appraised/inspected, and close on your loan it can take a little time for the process to be completed. If you stay on top of document requests, are upfront with your Mortgage Consultant, and work closely with your Realtor, the process can be extremely smooth, though.

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How much does it cost to purchase a home in Carmel?


Homes in the Carmel area vary in size and price. The right home for you is the one that fits within your financial goals. At GVC Mortage, we understand that our job is to help guide you to the right loan to help you achieve your goal. We’re here to help homebuyers become homeowners. We’ll work one-on-one with you to find the right loan program and the right budget.

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How much do I need for a down payment in Carmel?


As a Carmel mortgage lender, we’re proud to offer a variety of programs that each offer different benefits for homebuyers. A traditional 20% down payment can offset other costs, but it is not always required. In fact, there are great home loan programs like an FHA home loan that require less than 5%. Other programs don’t require a down payment at all. It truly comes down to which loan fits your goals and situation.

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I want to purchase a home in Carmel, where should I start?


Start with us! We highly recommend talking to a Mortgage Consultant before you start house hunting because we can help you build a realistic budget for your purchase. Without the right budget in mind, you could end up looking at homes well outside of your price range.

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I don’t live in Carmel, Indiana. Can you still help me?


Absolutely! Members of our team are licensed in Indiana and Michigan, which means we can help you purchase a home throughout the states of Indiana and Michigan. Because of the way mortgage lender licenses work, we aren’t confined to a city or even a county.

In fact, we frequently help homebuyers in Carmel, Fishers, Zionsville, Westfield, Noblesville, Indianapolis, Tipton, Cicero, and Arcadia. If you’re looking to purchase in Indiana or Michigan, we would love to help!

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Office: 317.564.4906

Address: 600 E Carmel Dr Ste 155, Carmel, IN 46032