Buyers with solid credit
Conventional
Flexible terms with as little as 3% down.
- Fixed or adjustable rates
- PMI drops off at 20% equity
- Primary, second home or investment
Loan programs
Not just loan programs. Mortgage solutions for your life.
Conventional
Flexible terms with as little as 3% down.
Buyers with solid credit
First-Time Buyer
Low down payment options and step-by-step guidance.
Your first Zionsville home
FHA
Government-backed with 3.5% down.
Rebuilding or newer credit
VA
$0 down for veterans and service members.
Veterans & military families
USDA
$0 down in eligible rural Boone County areas.
Homes just outside town
Jumbo
Financing for Zionsville's higher-value homes.
Holliday Farms, Austin Oaks & more
Refinance
Lower your rate or shorten your term.
Current homeowners
Cash-Out Refinance
Turn home equity into cash.
Renovations or debt payoff
Construction & Renovation
Build new or remodel with one loan.
New builds & fixer-uppers
Retirement Lending
Reverse mortgages and options for 62+.
Downsizing or aging in place
Your first Zionsville home
First-Time Buyer
Low down payment options and step-by-step guidance.
- Down payment assistance options
- Free homebuyer workshops
- Pre-approval in a day
Rebuilding or newer credit
FHA
Government-backed with 3.5% down.
- Flexible credit guidelines
- Gift funds allowed
- Assumable loans
Veterans & military families
VA
$0 down for veterans and service members.
- No monthly mortgage insurance
- Competitive rates
- Funding fee exemptions
Homes just outside town
USDA
$0 down in eligible rural Boone County areas.
- No down payment
- Low mortgage insurance
- Income limits apply
Holliday Farms, Austin Oaks & more
Jumbo
Financing for Zionsville's higher-value homes.
- Loan amounts above conforming limits
- Fixed and ARM options
- Local underwriting expertise
Current homeowners
Refinance
Lower your rate or shorten your term.
- Rate-and-term refinance
- Remove mortgage insurance
- Free refinance review
Renovations or debt payoff
Cash-Out Refinance
Turn home equity into cash.
- Consolidate high-interest debt
- Fund college or projects
- One simple payment
New builds & fixer-uppers
Construction & Renovation
Build new or remodel with one loan.
- One-time close options
- Renovation loans
- Builder coordination
Downsizing or aging in place
Retirement Lending
Reverse mortgages and options for 62+.
- Reverse mortgage (HECM)
- Buy a home with a reverse loan
- No monthly mortgage payment*