Indianapolis, Indiana

Welcoming You Home

Meet Our Team

The Indianapolis Team

Lita Nichols

Lita Nichols

Senior Loan Officer, NMLS# 1533868

States Licensed in: IN
Kurt Fancher

Kurt Fancher

Branch Manager, NMLS# 354570

States Licensed in: IN

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 Fancher Mortgage Group

The Fancher Mortgage Group provides personal mortgage experiences. We bring experience, understanding, and authenticity to every homebuyer’s challenges and goals. Because of our unique approach, our process for helping you achieve your homeownership goals is simplified. We work directly with homebuyers, their Realtor, title agency, and insurance provider to complete the process.

Our guiding philosophy for helping homebuyers is that no two buyers are the same. Because of this philosophy, we won’t simply say, “this loan is right for you,” without fully understanding your situation. Instead, we like to discuss your goals, learn about your financials, and really get to know you. By learning about your family and the home you hope to purchase, we can make a more accurate and detailed recommendation.

How Can We Help You?

The Mortgage Process

Our process is focused on teamwork and making your dream of homeownership a reality. We sit down with homebuyers to discuss their goals and options. In addition to personal consultations, we also help homebuyers compile their documents and submit their application. Our team carefully reviews every detail of your application before it’s submitted.

Step 1: Contact our team

Step 1: Contact our team

Your mortgage experience starts with a loan consultation. During our one-on-one meeting, we work to educate buyers on the full process and their options. By determining the right loan program for your situation, we can help save you time and money. We also provide an initial estimate, so you know what your budget will look like.

Step 2: Apply for your mortgage

Step 2: Apply for your mortgage

After getting the process started, we work side-by-side with our clients to fill out and submit their mortgage applications. Once your offer is accepted, we work with you to lock your interest rate and submit final paperwork. Throughout the entire process, our team stays in constant communication with you to make sure you understand the process and what’s happening with your loan.

Step 3: Close on your dream home

Step 3: Close on your dream home

Throughout the process, we work closely with Realtors, insurance agents, and title companies to keep your loan moving in the right direction. We want to get you to the closing table with as few interruptions as possible. We love welcoming new homeowners to their homes!

Finding the Right Mortgage Loan Program

Every Indiana homebuyer has a unique situation. By understanding this, we’re better equipped to help you find the right loan program, saving you time and money. So, what goes into finding the right Indiana mortgage for you? Your qualifications, desired home, and financial situation all play a factor in selecting the right loan. Fancher Mortgage Group is proud to offer a range of loan programs all designed to help homebuyers achieve their goals.

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.

Frequently Asked Questions

What are the best mortgage loan programs for Indianapolis?

Finding the right mortgage loan program is more about your financial life and goals than it is about location. Location certainly plays a role, but we take a much more holistic approach when it comes to finding the right Indianapolis mortgage program. Together, we’ll review your finances and talk about your home goals. From there, we’ll help determine which loan program is best for your situation.

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How do I buy a home in Indianapolis, Indiana?

Buying a home in Indianapolis starts with a conversation. We’ll talk about your goals, your finances, and where you want to purchase. Our team walks you through the process, educates you about your options, and gets you ready to apply for your mortgage. Our goal is to set you up for success early on in the process.

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How long does the Indianapolis home buying process take?

We work together with our borrowers to keep the mortgage process moving forward. We’re proud to provide 24-hour underwriting services and provide after hours and weekend support. Depending on the loan program and your commitment to communication, we can help you close on your home in 2 weeks. However, the process can take longer based on qualifications and loan program.

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

Home prices vary greatly in the Indianapolis area. It’s really about finding a home that fits your financial needs and your family’s goals. Our job is to help you determine the right loan and get you approved for your mortgage.

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

The 20% down payment rule is a myth. In most cases, a larger down payment won’t be required. Many loan programs offer 5% or less when it comes to your down payment. Ultimately, it’s about finding the right loan program and the right down payment option to help you meet your goals.

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

Start with us! Our team will talk with you about your home goals and how we can help you achieve them. We’ll start with a free consultation designed around your needs and focused on getting you started on the right foot.

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

Our team is licensed in Indiana, which means we can help you purchase a home anywhere in the state. We frequently help homebuyers in Indianapolis, Carmel, Broad Ripple, Westfield, Zionsville, Greenwood, Whitestown, Bloomington, Greenfield, Fortville, Fishers, and many more!

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Indianapolis Reviews

Contact our Indianapolis Team

Office: 317.708.7070

Address: 6835 E Southport Rd Ste E, Indianapolis, IN 46237