HomeLoan programs
Twelve programs, one lenderMortgage loan programs in Indiana
Twelve residential loan programs, each explained the way Dillon explains them at the table: what it's, who it fits, what you'll need, and how it runs by text from Carmel to anywhere in Indiana.
Which loan program fits which buyer
Dillon Baker lends every residential program Rate offers in Indiana. The right one depends on your income shape, your down payment, the house, and how long you plan to keep it, which is why the first conversation is a lesson and not a quote.
Most first time buyers in Carmel, Fishers and Indianapolis land on a conventional or FHA loan, sometimes with down payment assistance programs through Rate layered on. Eligible veterans use VA loans and buyers in USDA designated areas outside the cities can use USDA, both with no down payment for eligible borrowers.
Self employed and 1099 borrowers are the second group, and they're the ones most lenders turn away. Dillon routes bank statement and DSCR files through EDGE Non-QM, EDGE Expanded and Onslow Bay Bank Statement programs, so a strong business with a light tax return still gets a fair look. Jumbo covers homes above the county loan limit.
If you already own, renovation loans fold repairs into the purchase, a HELOC or second lien borrows against equity without touching your first mortgage, and a refinance is shown as plain math rather than a promise. Dillon doesn't do commercial, business, auto or unsecured personal lending.
All twelve, in the client's own order
Loan program questions
Not here? Text it to 317-847-6869 and Dillon answers himself.
Can I switch programs after I'm pre-approved?
Yes. A pre-approval is the start of the conversation, not a contract. If the house you find changes the picture, Dillon reruns the numbers on the new program and sends a new letter, usually the same day.
Do I need perfect credit for any of these?
No. FHA and some non-QM programs are built for buyers with thinner or bruised credit, and conventional loans reward stronger credit with better terms. Dillon reads your report with you and tells you which door is open today and which one is worth working toward.
What if I'm self employed and my tax returns look small?
That's what bank statement loans are for. Twelve or twenty four months of business deposits stand in for tax returns on the EDGE and Onslow Bay programs Dillon uses, so the business you actually run is the one that qualifies.
Ask Dillon which program fits
Tell him what you're trying to do. He'll come back with the program, the documents and the timeline, in writing, the same day.
Text 317-847-6869 or call, if you would rather skip the form.
