Mortgage lender licensed Across Indiana
Dillon Baker is licensed to lend statewide in Indiana, and distance changes nothing about how he works. Buyers anywhere in the state reach him by text and phone, with a Microsoft Teams call to open the file.
Programs available across Indiana
Dillon is based at 252 W Main St in Carmel and licensed across Indiana, so a buyer three hours away gets the same person, the same phone number and the same process as a buyer down the street. He writes conventional, FHA, VA, USDA and bank statement loans on residential property, and nothing outside Indiana. Text 317-847-6869 and he replies himself, evenings and weekends included.
Buyers reach him from Fort Wayne, Evansville, South Bend, Bloomington and Lafayette, along with the towns around them. Those are different housing markets. Prices differ, appraisals take different lengths of time, and the college towns buy on their own calendar. One thing holds steady. A lender who answers a text at nine at night is useful everywhere, because offers don't wait for business hours.
Statewide reach also widens the program list. USDA loans work for eligible buyers in rural areas, and Indiana has a lot of eligible ground once you leave the big counties. VA loans serve eligible service members and veterans, with no down payment for eligible VA and USDA borrowers. Conventional, FHA and bank statement programs cover the rest. Dillon will confirm the current requirement and the property eligibility before you rely on it.
The distance version of the process is the text version. You send a message, Dillon answers, and you meet on Microsoft Teams for an intro call so you can see the numbers together. Then one document checklist, one credit pull, and a pre-approval letter that holds up with agents and sellers, returned the same day in most cases. About 12 days is his average clear to close on past files. The city's own site is Indiana Department of Financial Institutions.
Buying in Indiana: questions
Not here? Text it to 317-847-6869 and Dillon answers himself.
Do I have to come to Carmel to work with Dillon?
No. He is licensed statewide, and a buyer in Evansville or South Bend does the whole file by text, phone and a Microsoft Teams intro call. Documents move electronically and the closing happens near you. You're welcome at 252 W Main St in Carmel if you want to meet, but nothing requires it.
Which Indiana addresses qualify for a USDA loan?
USDA financing is limited to properties in areas the agency designates as rural, and household income limits apply as well. Much of Indiana outside the larger metropolitan counties falls inside those maps, though the boundaries are redrawn periodically. Dillon will check the specific address and the current income limit before you write an offer on it.
Can Dillon lend on a property outside Indiana?
No. He is licensed in Indiana and works only on Indiana residential property, and he will say so plainly rather than take a file he can't finish. He also doesn't write commercial, business or auto loans. If your purchase sits across a state line, he will tell you at the first message.