The Heritage United Mortgage Services team has been successfully producing mortgages since 1997. To this day, our main goal remains on helping homebuyers find the best loan option for their goals. Our team sees homebuyers as people and not numbers. By taking the time to get to know people before telling them about their options, we create a better experience that is designed to fit their situation. Recognizing that loans aren’t a “one-size-fits-all” solution, we’ve customized the experience, eliminated barriers, and streamlined the process.
As an Evansville, Indiana based mortgage provider, we love helping homebuyers from all over Indiana and Kentucky purchase their dream homes. We understand how big of a step purchasing a home is for anyone, which is why we take the time to get to know you. We’re also proud to be part of the GVC Mortgage family, which also enables us 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.
Having the right home loan can save you time and money. That philosophy guides our process at Hometown Mortgage. We take a step back at the beginning to explain everything to homebuyers. We want you to be fully prepared for the process before you jump in. One advantage of this is that we’re able to close loans in two weeks, depending on the loan program. By creating a more personal experience, we help homebuyers achieve their homeownership goals.
Step 1: Talk to our team
Before you head out to look at houses, we highly encourage you to talk to our team! During our conversation, we’ll help you build a road map to a successful home purchase. The first consultation is all about reviewing your finances and understanding your goals. At the end of the conversation, we’ll get you pre-qualified and on the right track.
Step 2: Apply for your mortgage
After your consultation, you’ll have a clearer understanding of what the best mortgage program is for your home goals. We’ll then start helping you pull the right documents for your mortgage application. Before submitting to our underwriters, our team will help make sure everything is in order and that you meet the loan program’s guidelines.
Step 3: Close on your dream home
This is our favorite step! After you sign the paperwork at the closing table, you’ll receive the keys to your new home.
The main factors in finding the right loan program for you are location, finances, and goals. Together, we’ll determine which program best fits your situation. As an Indiana mortgage company, we’re proud to offer a wide variety of loan programs designed to help homebuyers from various backgrounds purchase their dream homes.
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 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.
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 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.
What are the best mortgage loan programs for Evansville?
Your best mortgage loan option is about more than just location. It’s about your finances and home goals. Location can play a part in what loans you qualify for, but it isn’t the only factor. Before we ever make a recommendation, we need to get to know you and what you’re looking for in a future home. The goal of our discussion is to better understand your needs, finances, and the home you want to purchase.
You start by talking to us! The homebuying process should start by talking to a qualified Mortgage Consultant who can walk you through the process and then help you navigate the process. We also recommend talking to our team early in the process to help ensure a smoother mortgage experience.
How long does the Evansville home buying process take?
The home loan process can take months. However, at Heritage United Mortgage, we’re proud to offer two-week closings, depending on the loan program. With a commitment to communication, we can help you move through the process faster than many other mortgage providers. Staying on top of document requests, being upfront with your Mortgage Consultant, and working closely with your Realtor helps the process go smoothly.
How much does it cost to purchase a home in Evansville?
Homes in the Evansville area vary in size and in price. As a result, it’s more about what you’re looking for and what you can afford. We’re proud to have a variety of loan options to help you meet your homeownership goals and your financial well-being.
How much do I need for a down payment in Evansville?
Contrary to popular belief, you do not need 20% for y our down payment. We’re happy to offer loan programs that require only 0-5% for your down payment. We work with you and your home goals to determine the right loan program and the right down payment amount.
I want to purchase a home in Evansville, where should I start?
It’s always a good idea to start the homebuying process early. With a short conversation, our team can help you build a road map from application to closing table. We’ll help you set a realistic budget, get you pre-approved, and help you house hunt with confidence.
Can you help me purchase a home that isn’t in Evansville?
Absolutely! Since we’re licensed in Indiana and Kentucky, we can help you purchase a new home anywhere in those states including Evansville, Henderson, Mt. Vernon, Owensboro, Newburgh, Patoka, Boonville, and many more.