Elkhart, Indiana

Welcoming You Home

Meet Our Team

The Hometown Mortgage Elkhart Team

Tim Weldy

Branch Manager, NMLS# 136738

States Licensed in: IN, MI, OH, FL

Apply with Tim

Jon Long

Mortgage Consultant, NMLS# 1405208

States Licensed in: IN, MI

Apply with Jon

Jodi Sorg

Mortgage Consultant, NMLS# 141462

States Licensed in: IN, IL, MI

Apply with Jodi

Randy Kalman

Mortgage Consultant, NMLS# 1192348

States Licensed in: IN, MI

Apply with Randy

Mariana Aleman

Loan Approval Specialist, NMLS# 158641

States Licensed in: IN, IL, MI

Apply with Mariana

Tanner DuComb

Mortgage Consultant, NMLS# 1779778

States Licensed in: IN, MI

Apply with Tanner

Brian Neises

Mortgage Consultant, NMLS# 1822171

States Licensed in: IN

Apply with Brian

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

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About Hometown Mortgage Elkhart

At Hometown Mortgage, we believe in a customer-first approach to the mortgage experience. Homebuyers are more than just numbers. We take the time to get to know every client’s situation and then determine the right loan mortgage program that will help their reach their goals. We’ve found through years of experience that the best way to help is by making your goals our goals.

As an Elkhart, Indiana mortgage provider, our focus is always on you. We take the time to sit down with you because we genuinely care. Purchasing a home is a huge step in your financial life and we want to make sure you are taking the right step. We’re proud to offer a wide variety of loan programs like FHA home loans, USDA home loans, VA home loans, Conventional home loans, and more all in effort to help you purchase your dream home.

How Can We Help You?

The Mortgage Process

At Hometown Mortgage, we believe that getting the right home loan can save you time and money. By taking a step back and fully understanding your goals, we can better serve you. A process that takes other Indiana mortgage lenders months, can take us just a couple of weeks, depending on the loan program. We’ve created a personal mortgage experience that is designed around your unique situation and goals.

Step 1: Speak to our consultants

Talking to a Mortgage Consultant before you start house hunting will help you build a road map to a successful home purchase. During this initial consultation, we’ll review your finances and talk about your goals. The outcome of the consultation is to get you pre-qualified for your home loan so you can start house hunting!

Step 2: Apply for your home loan

Once we know what mortgage program will be best for you, we’ll start pulling the necessary documents and working on your application. Before we submit to underwriting, our loan team will make sure everything is in order. The goal is to make sure we meet the loan program’s specific guidelines before submitting the application.

Step 3: Close on your dream home

When your application is approved, we start working on the final few aspects of your loan. This portion of the process is all about removing any barriers to the closing table. Once we’re at the closing table, you’ll need to sign a bunch of documents, but after that, you’ll be a homeowner!

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Finding the Right Mortgage Loan Program

Finding the right mortgage loan program comes down to location, finances, and goals. As an Indiana mortgage lender, we’re able to offer a variety of home loan programs. Since no two homebuyers are the same, we need a variety of loans to help people in all sorts of situations.

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 Elkhart?


The best mortgage loan has more to do with your overall situation rather than your location. Yes, location does play a role in your mortgage loan, but it isn’t the biggest factor. As an Elkhart mortgage company, we’re proud to offer a variety of loans to help homebuyers purchase the right home. After discussing your goals and finances with one of our qualified Mortgage Consultants, you’ll have a better idea of which mortgage program is best for you.

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How do I buy a home in Elkhart, Indiana?


The home buying process should always start by talking to a Mortgage Consultant. Our team is licensed in multiple states, which means we can help homebuyers from Indiana, Illinois, Michigan, Ohio, and Florida purchase their dream homes. And, talking to our team early in the process will help ensure a smoother mortgage experience.

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How long does the Elkhart home buying process take?


At Hometown Mortgage, the process can take two weeks, depending on loan program. The stigma is that buying a home takes months. However, if you’re committed and responsive, it certainly doesn’t need to take that long. By starting out with a clear understanding of the overall process, we can help move things along at a great pace. Staying on top of document requests, being upfront with your Mortgage Consultant, and working closely with your Realtor helps the process go smoothly.

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


Homes in Elkhart can vary in size and in price. It really comes down to what you’re looking for in a home. At Hometown Mortgage, our job is to guide you to the best loan program for your financial well-being. We work one-on-one with each borrower to ensure they have top-notch service and the best loan.

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


The traditional down payment is 20%, but there are great loan programs that require far less. In fact, we offer loan programs that require 0-5% down. At Hometown Mortgage, we work with your goals to determine what the right down payment and loan program are to help you meet those goals.

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


Start with our team! It’s a great idea to start the process off by talking to us. We’ll help you build a road map to the closing table and set a realistic budget, both of which will guide you through the house hunting process.

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Can you help me purchase a home that isn’t in Elkhart?


Absolutely! Because we’re licensed in multiple states, we can help you purchase a home anywhere in Indiana, Illinois, Michigan, Ohio, and Florida.

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Contact the Hometown Mortgage Elkhart Team

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Office: 574.293.5626
Email: tim@htmtg.com

Address: 1809 E Bristol St, Elkhart, IN 46514