GVC Mortgage Partner Brand
600 Corporation Dr Ste 200, Pendleton, IN 46064
Meet your Cafe Lending team.
Members of our team our licensed in Indiana which means we can help you with home financing throughout the state.
Senior Mortgage Advisor
States Licensed in: IN
Senior Mortgage Advisor
States Licensed in: IN
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.
The home loan process.
If you’re looking to purchase a home, the first step is to talk to our team. We’ll have a one-on-one conversation that results in a customized plan to get you to the closing table. We’ll review your finances and determine the best loan program to help you accomplish your goals.
Once you understand your mortgage options, we’ll start working on your application. During this part of the process, our team will help you determine which documents need to be submitted, what the right down payment is for your goals, and double check everything before submitting to our underwriters.
When your application is approved, we’ll schedule the closing and finalize a few last-minute details. This is the most exciting part of the process because after you sign your closing documents, we get to welcome you home!
Find the right home loan program.
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.
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.
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.
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.
How do I buy a home in Indianapolis, Indiana?
Buying a home in Indianapolis starts by having a conversation with someone from our team. We highly recommend getting pre-approved for you loan before you start house hunting. Taking this step will help you understand your real budget and narrow down your home search results.
How long does the Indianapolis home buying process take?
There’s a lot of stigma about how long the home buying process takes. In some cases, it might take months, but we can help you close on your home in two weeks, depending on the loan program. If you’re committed to communication and are responsible, then we can work together to move you through the process faster.
How much does it cost to purchase a home in Indianapolis?
The cost of a home comes down to several factors, but, ultimately, it’s about what you’re looking for in a future home. As a mortgage provider licensed in Indiana, we’re able to offer home loan programs designed specifically for your needs.
How much do I need for a down payment in Indianapolis?
The amount you need for your down payment comes down the loan program you’re using to purchase your home. In most cases you’ll need 0-5% to purchase a home. Ultimately, your down payment amount is about your end goals, the type of home you want to purchase, and your current situation.
I want to purchase a home in Indianapolis, where should I start?
A short conversation with our team is the best place to start the process. We’ll help you build a custom plan that ends up at the closing table. Our team will help you build a real budget, get you pre-approved for your loan, and help in any way we can during the house hunting process.
Can you help me purchase a home that isn’t in Indianapolis?
Absolutely! 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.