The Hometown Mortgage Merrillville Team
Jonathan Wells
Mortgage Loan Officer, NMLS# 1594823
States Licensed in: IN, IL
Sarah Smead
Fulfillment Officer
Members of our team are licensed in Indiana, Illinois, Michigan, and Florida, which means we can help you with home financing throughout those states.
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About Hometown Mortgage Merrillville
The mortgage experience at Hometown Mortgage is always customer-focused. From day one, our goal is to get to know our client’s situation and then help them find the best loan mortgage program. Through the years, we’ve discovered that this approach leads to better service, faster turn times, and a smoother process. We’re here to help solve problems and welcome homebuyers to their dream homes.
As a Merrillville, Indiana mortgage provider, our focus is always on helping. We care about our neighbors and the communities we serve, which is why we like to sit down with our clients. This is a huge step in anyone’s financial life, and we want to make sure it’s the right one. As a mortgage provider, we’re able to help connect homebuyers with loan programs like FHA home loans, USDA home loans, VA home loans, Conventional home loans, and more all designed to help them purchase their dream home.
How Can We Help You?
The Mortgage Process
Having the right home loan can save you time and money. At Hometown Mortgage, we’re committed to helping you find that loan. We take a step back, get to know you, and really understand your goals. By doing this, we better serve and guides you through the process. Creating a more personal mortgage experience allows for a truly custom process that fits your needs and your wants.
Step 1: Talk to our consultants
Before you start house hunting, we need to get you pre-qualified for your loan. Talking to our consultants before you hit the pavement in search of your dream home will help you find the right home. Our initial consultation will focus on reviewing your finances, talking about your goals, and getting you pre-qualified. Once that happens, you can start looking for a home with confidence.
Step 2: Apply for your mortgage
Once we know what mortgage program will be best for you, we’ll start pulling the necessary documents and working on your application. Before we submit to underwriting, our loan team will make sure everything is in order. The goal is to make sure we meet the loan program’s specific guidelines before submitting the application.
Step 3: Close on your dream home
After your application is approved, it’s time to finalize the last few pieces of the process. We’re always focused on getting you to the closing table and do our best to make it happen with as few hiccups as possible. Once we’re at the closing table, you’ll need to sign a bunch of documents, but after that, you’ll be a homeowner!
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Finding the Right Mortgage Loan Program
We’re proud to offer a wide variety of mortgage programs. After learning about the location you want to live in, your finances, and your home goals, we can really help you determine which program is right for you.
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.
Have a Question About Our Loan Programs?
Frequently Asked Questions
What are the best mortgage loan programs for Merrillville?
When it comes to finding the best mortgage loan for you, it’s about more than just your location. While location plays a role in eligibility, it’s more about your specific situation. As a Merrillville mortgage company, we offer a variety of loan programs designed to help individuals. We’ll talk about your goals and finances and get a better understanding of what your future home looks like. Then, we’ll be able to help you find the right mortgage program.
Get AnswerHow do I buy a home in Merrillville, Indiana?
The first step in purchasing a home should always start with a conversation. We’re here to listen and help you build a roadmap to your future home. Our team is licensed in multiple states, which means we have even more opportunities to help you purchase your dream home.
Get AnswerHow long does the Merrillville home buying process take?
The homebuying process can take as little as two weeks, depending on the loan program. We understand that for many homebuyers, it will most likely take longer, but with a commitment to communication, you can help ensure a smoother and faster experience. We start by explaining the process and really educating homebuyers on what to expect. From there, we help you pull the right documents and we work closely with your Realtor.
Get AnswerHow much does it cost to purchase a home in Merrillville?
It really comes down to what you’re looking for in a home. The better question might be, “what can I afford?”. At Hometown Mortgage, we’re your guide to finding the best loan program and ultimately sustainable, financial well-being. Working one-on-one with our borrowers helps us ensure that you have top-notch service and the best loan for your goals.
Get AnswerHow much do I need for a down payment in Merrillville?
Your down payment requirement will completely depend on your loan program. While you don’t have to put 20% down on your home, it can help lower your monthly mortgage payment. There are loan programs that offer down payment rates from 0-5%.
Get AnswerI want to purchase a home in Merrillville, where should I start?
Start the process with us! We can help you kick off the process the right way. We’ll take the time to help you build a road map to the closing table and set a realistic budget.
Get AnswerCan you help me purchase a home that isn’t in Merrillville?
Absolutely! Because we’re licensed in multiple states, we can help you purchase a home anywhere in Indiana, Illinois, Michigan, and Florida. We often help homebuyers in Merrillville, Crown Point, Hammond, Lowell, Chesterton, Lake Station, Valparaiso, and many more.
Get AnswerHave a Different Question?
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Contact the Hometown Mortgage Merrillville Team
Office: 219.576.6062
Email: dennis@htmtg.com
Address: 3612 W 80th Lane, Merrillville, IN 46410
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