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Conventional Loans in Indianapolis

Conventional Loans in Indianapolis

Most local homebuyers are in the market for an Indianapolis conventional loan. This refers to any standard conforming loan within the limits set by Fannie Mae and Freddie Mac.

In Marion County, these are the conforming loan limits for 2017:

  • 1 unit: $453,100
  • 2 units: $543,000
  • 3 units: $656,350
  • 4 units: $815,650

Conventional loans are not government-insured. Loans which fall above the limits stated above are jumbo loans, not conventional loans.

What We Offer

At Grandview Lending, we offer both fixed rate and adjustable rate conventional mortgages to Indianapolis buyers. We provide multiple low-down payment options and 1st time homebuyer programs. PMI is available, as is a range of loan terms.

So whatever your budget and timeline for purchasing a house, we can set you up with a conventional loan that fits your needs. Furthermore, up to 3% in lender closing costs are paid by the seller. As a broker, we are paid by the lender, not in points. Many of our clients choose an interest rate which covers the entire cost of the loan. This reduces the overall cost of the loan while eliminating closing costs altogether.

You can use our conventional home loans for the following purposes:

  • Home purchase
  • Debt consolidation
  • Cash-out
  • New construction
  • HomeStyle Renovation

Additionally, we offer a couple of unique programs and benefits:

  • Physicians may avail themselves of our doctor’s program for special advantageous loan terms.
  • Those in need of extra assistance may inquire about Grandview Lending’s Community Access program.
  • We also offer the Fannie Mae HomeReady program. A couple of our lenders are even willing to give a contribution of 2/3 of the cost of the down payment, leaving only a minimal amount for the borrower to cover. See more details in our program video. All our videos are located here.

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We partner with our clients, walking shoulder to shoulder with them through the financial maze that mortgage lending has become.

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Are You Eligible for an Indianapolis Conventional Home Loan?

Not sure whether you qualify for a conventional home loan in Indianapolis? Here are the basic requirements:

You must have a good credit score. If, however you have a lower score, we do offer other programs such as FHA loans for which you may qualify. FHA loans have competitive rates and represent a great alternative to conventional loans. We can also help you boost your score if necessary (see the next section).
You will need a reasonable income-to-debt ratio, and/or enough assets to offset any shortcomings in this area.
You need to be able to put down an initial down payment.
You must be able to prove through documentation that your income is stable.
The home you want to purchase must not have a value exceeding the Indianapolis conforming loan limits set by Fannie Mae and Freddie Mac.

Grandview can help you apply for a conventional loan if you are eligible. What if you do not meet the requirements? If for whatever reason you do not qualify, there may be other home loan programs which are more suitable for your needs. We can assist you in locating a loan product which is appropriate for your financial status and goals.

We Can Help You Improve Your Credit Score If Necessary

We offer a unique program for customers with low credit scores. We can work with you to adjust your credit score if necessary so that you can qualify for the loan you want.

Using tools from the credit reporting agencies, we can create a workable plan to improve credit scores within a relatively brief period of time. This may range up to weeks or months in some cases, but may sometimes be as swift as days.

We will never walk away from any client. We are your partner, and will work hard to get you qualified. This consultation costs you nothing, and you are never under any obligation to go with us once your score improves.

Apply for an Indianapolis Conventional Loan Through Grandview Lending Today

Now you know more about what we can do for you at Grandview Lending, you probably have noticed that we take a different approach from other mortgage companies.

We listen carefully to you to understand in-depth what you are looking for in a mortgage, and then we provide you with the educational framework you need to make smart choices. If you encounter any obstacles, we help you work through them one step at a time. This process and our continuing commitment to customer service has earned us an A+ rating from the BBB.

We are standing by right now, ready to answer all your questions about Indianapolis conventional loans, or help you apply for a loan if you are ready to take the next step.

Let’s get you into your Indianapolis home.

Please give us a call at 317.255.0062

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Beyond Buttercream
Beyond Buttercream
23:30 09 Oct 18
Tracey Harding and her team are amazing. We bought a new home in June. From the initial call after looking at the home (on a weekend) to getting to the closing table, it was handled professionally, thoroughly, with the urgency needed but not never rushed and always with a personal touch. Was pleased with the fees and explanation of the HUD1 and patiently answering endless questions. Cant say enough about this team!
Melville Peterson
Melville Peterson
00:35 04 Oct 18
Tracy Harding and her team at Grandview Lending were not only extremely helpful, but were constantly on top of everything. They were able to complete everything and pull off our closing 3 weeks after our offer was accepted. This type of service is exceptional in this day when customer service seems to always take a back seat to everything else.I would recommend them to anyone without hesitation.
K Smo
K Smo
02:56 03 Oct 18
We have had two great experiences and outcomes using Grandview Lending. They got us refinanced several years ago, and just recently guided us through the purchase of a new home. Mike and Faye do a tremendous job, and helped us save thousands of dollars in closing costs over going to a bank. Above all, I felt like they were always looking out for our best interests, and were eager to help whenever we had questions. They provide personal, professional, and prompt service. I highly recommend them and have sent several friends their way.
Beth Ferris
Beth Ferris
14:43 02 Oct 18
My husband and I purchased a home last February 2018, and used Grandview Lending for our mortgage arrangements. We had previously used Grandview for refinancing, and based on that experience, decided we would use Mike Farrell and his Grandview lending team again. Some of the reasons we came back are that the quality of their service and the amount of personal customer service they give is second to none (not to mention, something that is sorely lacking in most of our day to day dealings with companies these days). Their integrity and honesty throughout the entire process is also something that we very much appreciated. Just as all cases are unique, ours was a challenging situation, but Mike and his team were always on top of everything with knowledge of the various available options and what was needed to obtain the proper financing in a timely fashion. We appreciated their honest and forthright advice. If we find ourselves in need of another mortgage in the future, we would most certainly contact them again. We would not hesitate to suggest Grandview Lending along with Mike Farrell / Faye Fitzgerald team. We highly recommend you give them an opportunity to earn your business.
Jenna Kaufman
Jenna Kaufman
14:52 28 Sep 18
My husband and I had a great experience with Grandview lending. They were recommended to us by my sister and brother-in-law. They made the whole Process of buying a house much easier than expected. Everything went quickly and smoothly, We will definitely be using them again in the future.
Dana Lessie
Dana Lessie
22:09 20 Aug 18
Tim was great to work with and responsive to each and every one of my endless questions. I have to say my situation was more than challenging and Tim handled it with logic, support and care every step of the way. He is extraordinarily knowledgeable and his communication is perfection. Many thanks to making it all possible.
Douglas Ashby
Douglas Ashby
19:31 02 Aug 18
Tim Ayers was great through the whole process. He provided me with many options including lower rates, but with higher mi, different down payments. In the end he helped me find the best deal possible for my needs. He was very responsive to all my calls, questions and emails. And fast I might add, we had an accepted PA on July 12, and closed on July 31. Great job Grandview and thanks so much Tim!
moni lopez
moni lopez
15:24 10 Jul 18
Mr. Tim surpassed all our expectations! He was professional, straight forward, prompt, helpful, & REACHABLE when needed! That seems to be a rare thing now of days, typically people like to keep you waiting or push you to the next person. He kept in close communication with all parties involved until the very end. He was accommodating with time & communication, despite my husband being deployed half way across the map on a different time zone. I honestly can’t say enough good things about our experience.
Ethan Campbell
Ethan Campbell
14:15 10 Jul 18
I recently used Grandview Lending for my mortgage and the experience was excellent. I was in constant contact and my phone calls were always answered. I was called with check-ins often and greatly appreciated the extra work put in to make sure I got the best mortgage possible. The mortgage was put together and approved within a month with a very competitive rate, much better than I could ever expect. I wholeheartedly recommend Grandview to anyone looking for the best mortgage possible.
Misty Lucas
Misty Lucas
14:23 18 Jun 18
amazing job! would love to do business with this professional again! This would of never closed and would of kept my seller from being able to purchase their new home if it wasn't the hard work Tim did for the buyer's on their home. Thanks again for doing such an amazing job all realtors need a lender like you on their team.
Patrick Jones
Patrick Jones
16:19 11 Jun 18
He hung with us for almost a year and a half...that's commitment. I first contacted Tim Egan at Grandview in early 2017 to get a sense of my lending options. We weren't well-positioned at that point to get into the house we wanted, and Tim explained things very objectively and thoroughly. He said he would check back with us later, and he did. He always gave great detail and was excellent in communications as we navigated this process. I wouldn't think of using anyone else in the future. Last Friday our home-owning dream happened without a hitch. Thanks for going way above and beyond, Tim.
Brad Evans
Brad Evans
14:38 20 May 18
We were moving from out of state and after researching on line decided to give Grandview Lending a call based on reviews. I spoke with Tim and explained our situation of moving in a few months and was looking to see if buying was a possibility. He was excellent with options while being honest and straightforward on the way ahead. We were able to find the perfect house and Tim and his assistant Laura did an outstanding job on processing the loan in a professional and timely manner. We relocated and closed on time the day after our move!
Nicholas Parlagreco
Nicholas Parlagreco
19:36 24 Apr 18
Michael Farrell saved me 6000 dollars in closing cost. His teams customer service was top notch! His processor Faye walked me through every step in a very timely manor. The Grandview lending Team got me an interest rate no other lending company could get. If your buying a home compare your quotes to Grandview lending. You will go with them too I bet!
Scott Knust
Scott Knust
18:07 24 Apr 18
The service from Michael and his processor Faye was terrific. They were easy to work with and explained the whole process well. I was on a short time table because I'm self employed and had to wait for my taxes to be filed before closing. They pushed everything through quickly and had me ready to go for closing. Michael was even able to make it to the closing to help if needed. Grandview did a great job!
Rick Wampler
Rick Wampler
10:54 18 Apr 18
If your like me and have had issues in the past, Grandview Lending will be the company of choice. Honest, forthright, no gimmicks, just great people who want to make your experience the best for you that it could be. I highly recommend Grandview for your financing goals
Helping NICKELL
Helping NICKELL
17:38 16 Apr 18
Grandview Lending is a world-class brokerage service. As someone who is self employed and a husband on W2, we knew getting approved would be tricky. Mike Farrell and Faye were very professional, courteous and thorough. They knew exactly what to do for our unique case and apprised us on every step of the process. We had previously approached other lenders (several traditional banks and a few other brokers) but found Grandview to have the best connections to get us where we needed to be. They promptly provided several lender options for us to choose from, were very transparent about the pros and cons of each option and they helped us take into account things we would have missed like the seller’s portion of prepaid taxes helping us with the amount we needed to bring to closing. If you are on the market for a mortgage, give them a try, you won’t be sorry. The amount of options they have will well surpass anyone else in Indianapolis. And you might learn a thing or two about the mortgage biz from Mike as he is a straight shooter and makes sure you understand the what’s and why’s
Johanna De Jesus
Johanna De Jesus
01:48 07 Apr 18
I worked with Tim and he was a true pleasure to work with. He was able to find me a loan quickly and we closed right on time. The process was super seamless. I enjoyed working with Tim so much that I recommend his services to friend and family.
Son Doan
Son Doan
14:05 04 Apr 18
i just closed a property working with Tracy. Her rate and closing costs were cheapest that i found. Overall, I really enjoyed working with Tracy and her team. Throughout the whole month, they were always available via call, text, and email. I received responses within hours if i had sent them an email or less via call or text. The team was on the ball, pushing other parties to quickly do their part in able to close on time. Looking forward to doing business with them again.
chris f
chris f
20:12 02 Apr 18
Mike and Faye promptly gave us the step-by-step information we needed to feel comfortable in our decisions. Very friendly and made process easy.[quality of the service, customer service you received, turnaround time, price, etc.].
Corey Nickel
Corey Nickel
19:41 02 Apr 18
I cannot speak highly enough about my experience with Mike Farrell and Faye Fitzgerald. This was by far the easiest home loan experience I have had and I have worked in real estate. Mike and Faye were always accommodating, communicative and compassionate about the obstacles you sometimes come in contact with during a real estate transaction (appraisal value in my case). To say they were "on the ball" is an understatement. They work quickly and efficiently, which are hard to come by when it comes to home loans. I highly recommend Grandview Lending.
Chris Stitzle
Chris Stitzle
18:06 29 Mar 18
The total experience was AWESOME!! My wife and I have used Grandview Lending on more than one occasion. The reason we keep coming back is their quality of the service, the amount of personal customer service we receive (Tracy & Laura were outstanding!), the quick turnaround time, and most importantly the price. I highly recommend you give them an opportunity to earn your business.
Phillips Hayes
Phillips Hayes
18:39 22 Feb 18
Tracy and her team did an excellent job with my loan got it done before We were supposed to close and I would recommend her to any of my friends or family.
Hannah Obrecht
Hannah Obrecht
19:43 19 Feb 18
Tracy at Grandview is an absolute gem! She was very quick to answer all 1,000 of my questions and happy to do so. She and the whole team are incredibly knowledgeable and helpful when it comes to buying your first (or any) home. She walked me through the entire process and looked at all of our options for which type of loan we could use. We have now closed on our house and Tracy was there every step of the way! Grandview is paid was paid by the title company so it didn't cost us a dime. Tracy shopped around for the best rate she could find for us. Being first time home buyers, we were very nervous and ignorant about everything. I would go with Tracy and Laura again in a heartbeat!
Indy Mom
Indy Mom
20:53 13 Dec 17
Our journey with Grandview Lending started several months ago. To be honest, our credit situation was less than ideal and other lenders had not been helpful at all to even figure out what we needed to do. We had even been downright ignored by others. After doing a google search, i came upon Grandview lending. The reviews were great. I figured it was worth a shot, right? I called and spoke with Mike, and he told me he was the president of the company. I thought “great. I’m going to tell him i have credit issues and he’s going to get off the phone as soon as he can and ignore me like the others.” What happened next was the exact opposite. He listened. He cared. I think the first phone call was at least 20-30 minutes long. He discussed all the possible options moving forward. He sent several emails on the plan moving forward. He followed up with phone calls. My husband and i worked on the credit issues. Surprisingly, after a little past a month, we were where we needed to be! We were told by others to maybe try again in 6 months or a year! I know everyone’s situation is different regarding credit, but this was our experience. When it was time to submit our full application, it all went so smoothly. When i had any questions, worries, or concerns, i called and either Mike or Faye was always available to talk. Emails were answered very quickly. They were trustworthy and honest with every single thing that could happen. There were no delays with closing, in fact, no delays of any sort. Mike said he could get this done for us, and he did. It means so much that while others literally ignored us and didn’t even offer a word of advice, Mike was there and believed in us. We are in our wonderful new home because of him, and much sooner than we could’ve ever hoped for. It was like we were family to them, although i suspect they treat every one of their customers with the same respect, courtesy, and care. We are customers for LIFE and will recommend Grandview lending to all of our family and friends!
april lee
april lee
22:37 02 Nov 17
Tim Egan is an amazing person to work with as a lender. He is very knowledgeable and clear. He took the time to explain everything in detail for me to understand each and every process along the. I'm a first time home buyer and I'm so glad I was refers to him otherwise this would've been very stressful for me. Thanks for the great experience!
Kraig
Kraig
18:29 13 Oct 17
My experience was amazing with this company. Between the time I looked at the house and closed, it was less than three weeks. Grandview Lending did everything and anything possible to get me a loan at a great rate and one that was affordable to me. Tim was amazing at working with me and for me to make my rates, payment and experience as great as possible. Tim was available at any time to answer my questions, walk me through the process, and continued to work until my rates, payment, and experience were as great as possible. I cannot recommend this company and the people that work there enough.
Dave Ferris
Dave Ferris
18:29 10 Oct 17
We recently used Grandview Lending for our home loan. The service we received was top notch. They were always accessible via phone or email-my choice- and were accessible/swift. Mike took time after hours on a Friday evening to educate us on cost and benefits of various interest rates. He was extremely knowledgable, and Faye kept us on track throughout the entire process. Mike even attended our closing! It was a personal touch, and all for the best price we found.
Tami Wallace
Tami Wallace
17:55 10 Oct 17
I enjoyed working with everyone at Grandview Lending. As a first time homeowner, Mike guided me every step of the way making the process a lot less stressful. Mike and Faye were always willing to answer my questions and did a great job explaining the process to me. That is why I came back to Mike and Faye three years later to refinance my home. I trust Grandview Lending and would highly recommend them to anyone.
Cklazo
Cklazo
17:53 31 Jul 17
Our mortgage experience with Tracy Harding was excellent, she made the experience very smooth from start to finish. There were no set hours, she worked 24/7. We built so there was a lot of pressure from the builder to go through their financing, by staying with Tracy at Grand View Lending she saved us thousands of dollars, with the financing time being excellent. The whole buying experience can be so nerve wracking but Tracy made it a smooth experience from start to finish. Her knowledge and experience was truly exceptional. We would do it over again in a heartbeat.
Qasim Asghar
Qasim Asghar
21:20 30 Jul 17
Tracy was great to work with. She completely took care of the process from start to end. The quality of the service was great. The customer service was excellent. She was available via email and/or text 24/7 any time of the day. The turnaround time was very quick. She was able to find a great rate for us and the whole process went very smooth. Would not hesitate to use her again and refer to anybody else who is looking to work with a great individual who takes care of their customers.
Philip Burroughs
Philip Burroughs
21:05 28 Jul 17
Tim Ayers is a consummate professional. He is affable, timely and patient. He is very knowledgeable in his field and always explains financial matters in a clear and easily understood manner. Also, Tim is generous with his personal time as demonstrated by a Saturday morning when he helped fix a water problem in our basement. He is the first person I recommend when individuals and businesses need counsel in various commercial and residential. He is worthy of more than the above five stars. Philip D. BurroughsAttorney at Law.
Monica Dietterick
Monica Dietterick
16:27 18 Jul 17
Tracy at Grandview Lending was amazing! The level of service she provided my husband I was above an beyond. She was with us every step of the way. They came in with the best rates and options. She was very transparent on how the process works and what we needed to do. Her sense of urgency and attention to detail was like no other. Tracy made the entire ordeal of purchasing our house painless.
Shanay Lasley
Shanay Lasley
18:08 06 Jul 17
Kimberly Irving was the best loan officer I have ever had the pleasure to work with! She is very knowledgeable about the lending business, extremely patient and trustworthy. Thanks to Kimberly, our financing was not as stressful because she offered every attainable financing option that fit within our family's budget. Kimberly understands a working family's needs and knows how a new home can change the quality of life for you. I highly recommend Kimberly for your lending needs. She will make sure you remain a satisfied customer even after the closing of your home loan. She aims to please every time!
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ADDRESS
8445 Keystone Crossing Blvd,
Indianapolis, IN 46240
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317.255.0062
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866.690.4920
FAX
317.255.0647
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START YOUR APPLICATION

We partner with our clients, walking shoulder to shoulder with them through the financial maze that mortgage lending has become. We provide our clients with exceptional service and integrity which has become our hallmark. Every loan is different. So we listen to our clients to help them assess the impact their mortgage decisions have, not only today, but tomorrow.
APPLY NOW
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