The Indianapolis Cafe Lending Team

Susan Nemeth

Senior Mortgage Advisor, NMLS# 223350

States Licensed in: IN

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Amy Eaker

Loan Partner to Susan Nemeth, NMLS# 462484

Chartley Bondurant

Chartley Bondurant

Loan Partner to Susan Nemeth, NMLS# 1546298

Sheryl Holko

Mortgage Approval Specialist

Members of our team are licensed in Indiana, which means we can help you with home financing throughout the state.

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About Cafe Lending

At Café Lending, we like to describe our style as professional, but with a casual flair. We understand that buying a home can be an intimidating experience, especially for first-time homebuyers. Because of our experience and understanding, we work one-on-one with homebuyers to create a mortgage experience designed around your needs and unique situation. From our side of things, we work as a team to help keep things simple.

As a team, we work to make sure you are connected to the right loan program for your needs and goals. We have a real conversation with you about the home you want to purchase and your financial goals. From there, we recommend the right loan program and walk you through the steps of buying your home.

How Can We Help You?

The Mortgage Process

For the Café Lending team, it’s all about delivering great customer service. By understanding your needs and goals, we can work together to get you to the closing table. From day one, we focus on helping you. Whether it’s discussing your finances, collecting the right documents, or scheduling your closing date, our team will remain in close contact, so you never have to wonder what’s going on with your loan.

Step 1: Contact our team

Step 1: Contact our team

Your first step in the mortgage process is to connect with our team. We want to learn about you, your family, your finances, and your goals! After getting you pre-approved for your mortgage, you can start looking for the right home and we can get started on all the paperwork. Our team’s goal is to be prepared for anything and everything!

Step 2: Apply for your mortgage

Step 2: Apply for your mortgage

Our team will work with you to make sure your application looks great before submitting it to the underwriters. You might get a little annoyed with all of the document requests, but in the end, it will be worth it. We’re proactive during this part of the process, because we want your application to be approved as much as you do!

Step 3: Close on your dream home

Once your loan application is approved, we get start on the closing process! Again, our team will collaborate with you to get the details buttoned down, but once you close, you get the keys to your new home!

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Finding the Right Mortgage Loan Program

We understand that you have unique needs and a unique situation as a homebuyer. Because we understand this, we’re able to find you the right loan program, which saves you time and money. It all comes down to your qualifications, desired home, and financial situation. Café Lending offers a wide variety of loan programs all 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 this home loan, as well.

Have a Question About Our Loan Programs?

Frequently Asked Questions

What are the best mortgage loan programs for Indianapolis?

The truth is, there isn’t a “best mortgage program” for Indianapolis. It isn’t always about location, but rather your situation and what kind of home you’re looking for. For instance, if you’re looking for a home in a rural location, then a USDA home loan might be best for you. Or, if you’re a first-time homebuyer, an FHA loan might be best for you. Our team will work with you to determine the best mortgage loan program for you.

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How do I buy a home in Indianapolis, Indiana?

Buying an Indianapolis home starts with us. While you might be tempted to reach out to a Realtor first, we can help you get the process started on the right foot. By talking to our team, you’ll have a better understanding of your real budget, which will influence the houses a Realtor shows you.

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How long does the Indianapolis home buying process take?

The home buying timeline can be difficult to predict without fully knowing your current situation. However, depending on the loan program, our team can help you close on your home in as little as 2 weeks.

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

The cost of purchasing a home in Indianapolis, again, comes down to what you’re looking for in a home. Location and size play a huge part in what you’ll pay to be a homeowner.

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

Contrary to popular belief, you do not need 20% for your down payment. Each loan program has its own requirements, but down payments can range anywhere from 0-20%. When you do put 20% down on your home, you can eliminate PMI and lower your monthly mortgage payments significantly.

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

Start by talking to us! We’d love to walk you through the home buying process and help get you started on the right foot.

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

So long as you want to purchase a home in Indiana, we can help! Our licenses allow us to help homebuyers throughout the state of Indiana purchase a home. We frequently help borrowers in Indianapolis, Westfield, Carmel, Zionsville, Fishers, Noblesville, Brownsburg, and Pendleton.

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