FINDING A HOME LOAN

START WITH A LENDER

Understanding your financing early can make the home-buying process smoother. A qualified mortgage professional can review your financial information, discuss available loan programs, and help you determine a comfortable price range.

Getting preapproved before you begin making offers can also show sellers that you have taken meaningful steps toward securing financing. A preapproval is not a final loan approval, and its terms may depend on continued verification and the property you select.

WHAT A LENDER MAY REVIEW

When you apply for financing, the lender may ask for information about your:

• Income and employment

• Credit history and credit score

• Monthly debts and financial obligations

• Bank accounts, savings, and other assets

• Down-payment funds

• Source of funds needed for closing

Having recent financial documents available can help prevent unnecessary delays.

UNDERSTAND THE TOTAL COST

The purchase price is only one part of the cost of owning a home. Your expected monthly housing expense may include:

• Loan principal and interest

• Property taxes

• Homeowner’s insurance

• Mortgage insurance, when applicable

• Homeowners association fees, when applicable

You should also plan for closing costs, moving expenses, maintenance, repairs, and other costs of homeownership.

COMPARE YOUR OPTIONS

Loan programs, interest rates, fees, and qualification requirements can vary among lenders. Consider speaking with more than one lender and comparing written Loan Estimates for the same type of loan.

Review the interest rate, annual percentage rate, estimated monthly payment, closing costs, lender credits, points, mortgage insurance, and whether any loan terms could change. Ask questions about anything you do not understand before choosing a loan.

PREAPPROVAL AND FINAL APPROVAL

A preapproval helps you establish a starting price range, but final approval usually depends on additional documentation, underwriting, an acceptable appraisal, title work, insurance, and other lender requirements.

Continue responding promptly to requests from your lender, and avoid making significant financial changes without first discussing them with your loan officer.

PROTECT YOUR FINANCING

Before closing, speak with your lender before:

• Opening or closing credit accounts

• Financing a vehicle, furniture, or other major purchase

• Changing jobs or income arrangements

• Moving large amounts of money between accounts

• Making unusually large deposits that cannot be documented

Changes to your finances or credit may affect your loan approval or closing schedule.

HOW I CAN HELP

As your REALTOR®, I can help you understand how financing deadlines relate to your purchase agreement, communicate with your lender and the other professionals involved, and keep the transaction moving toward closing.

Your lender will advise you about loan products, qualification requirements, rates, fees, and which financing options may be appropriate for your circumstances.

Ready to begin? Contact Steve Tucker, REALTOR® with United Real Estate Indianapolis, at (317) 345-7448.

Steve Tucker

United Real Estate Indianapolis


Office:
1425 E 86th Street Suite 200, Indianapolis, IN, 46240
www.UnitedRealEstateIndy.com
(317) 216-8800
Agent:
steve@stevetuckerindy.com
(317) 345-7448
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Based on information submitted to the MLS GRID as of 9/17/2026 5:00:04 AM. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

This content last updated on Thursday, September 17, 2026 5:00 AM from MIBOR

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