Indianapolis, Indiana

Welcoming You Home

Meet Our Team

The Indy Mortgage Team

Chad Arnold

Chad Arnold

Branch Manager, NMLS# 128245

States Licensed in: IN
Greg Kibby

Greg Kibby

Mortgage Consultant, NMLS# 302905

States Licensed in: IN

Kathie McElroy

Office Admin

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 the Indy Mortgage Team

The Indy Mortgage Team has a fresh approach on the mortgage experience: people first. The bottom line is we’re here to help people. Our people-first approach allows us to provide a more personal mortgage experience for homebuyers. With over 20 years of experience guiding us, we’re better equipped to help you move from homebuyer to homeowner. After we gain a better understanding of your home goals and financial situation, we can make a recommendation on loan programs and budgets. We understand how big of a commitment purchasing a house is, which is why we take the time to get to you know you. Our goal is to make sure every homebuyer we help has the right tools and loan to be a successful homeowner.

As an Indianapolis, Indiana mortgage provider, we love what we do every day. Guiding homebuyers through such a big decision is rewarding for us, but we do it because we genuinely want to help people. We never make recommendations without understanding your full situation. Once we do understand your situation, we have access to a range of loan programs like FHA home loans, USDA home loans, VA home loans, Conventional home loans, and more that allow us to better serve your needs as a homebuyer.

How Can We Help You?

The Mortgage Process

We understand that it can be intimidating to apply for your mortgage. It can seem like a complicated process from the outside, but our team takes the time to educate you before starting. We feel that communication and understanding are needed to guide a successful mortgage experience.

Step 1: Talk to our team

Step 1: Talk to our team

The first step is to let our team know you want to purchase a home. We’ll take the time for a one-on-one consultation. The consultation is designed to help us get to know each other. We’ll explain the full mortgage process, and you’ll tell us about your home goals and finances. Once we’ve completed the initial process, we’ll get you pre-approved and you can begin hunting for a home.

Step 2: Apply for your mortgage

Step 2: Apply for your mortgage

This is the step, for many homebuyers, that becomes the most stressful. To apply for your mortage, you’ll need to find paperwork, fill out documents, and answer questions from our team. But, we’re in this together and once we’re done filling out the application, our underwriters will carefully review it. The goal is to make sure you meet the loan programs specific guidelines.

Step 3: Close on your dream home

Step 3: Close on your dream home

After being approved for your home loan, we’ll start the final preparations. Our goal during this step is to make sure everything checks out and is ready for your signature at the closing table. Once we’ve done that, you’ll close on your loan and get to move into your new home!

Finding the Right Mortgage Loan Program

Finding the right mortgage loan program comes down to your goals and financial situation. Our job as an Indianapolis mortgage lender is to help guide you to the right program. Since we have access to a range of mortgage programs, we’re better equipped to help you find the right one.

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?

Mortgage programs are about more than just location. They’re about your home goals, finances, and qualifications as a homebuyer. Yes, location plays a part, but it isn’t the biggest factor. As an Indianapolis mortgage company, we’re proud to offer a variety of loan programs that serve the needs of the community and entire state.

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How do I buy a home in Indianapolis, Indiana?

To start the process, you should talk to our team. We’ll help you build a road map to a successful home purchase, get you pre-approved for your mortgage, and help you set a realistic budget. By talking to our team, you’ll gain a better understanding of the process and have the tools you need to successfully find and purchase a home.

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How long does the Indianapolis home buying process take?

It really depends on several factors. For instance, if you stay on top of requests and communication, we can help you close on a home in 2 weeks, depending on the program. We do our best to keep you informed of the status of your loan and keep the process flowing.

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

Homes in Indianapolis very in price and size, so it can be difficult to say a home, on average, costs a certain amount. However, once you’re pre-qualified for you loan, you’ll have a better understanding of your budget, which will help you find the right home for your family.

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

It comes down to your loan program. Some programs don’t require a down payment at all for qualified buyers. Overall, down payment requirements tend to range from 0-5%. In some cases, it may be higher depending on the loan program and your financial situation.

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

Start by talking to our team. By talking to us as early as possible, you’ll have a better idea of what to expect. In fact, if you’re just thinking about buying a home in the future, we would love to talk to you. We’ll walk you through the process, explain your loan options, and help you determine the right down payment option for your goals.

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I’m not looking to purchase a home in Indianapolis. Can you still help me?

Since our team is licensed in Indiana, we can help homebuyers all over the state. We’re proud to serve the Indianapolis community while also helping homebuyers in Beech Grove, Greenwood, Southport, Danville, Avon, Fishers, Shelbyville, and many other great Indiana communities.

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Indy Mortgage Team Reviews

Contact the Indy Mortgage Team

Office: 317.353.3677

Address: 4770 S Emerson Ave Ste G, Indianapolis, IN 46203