Mortgage Lender Indianapolis, IN

Mortgage Loans
& Financing
Indianapolis, IN

Mortgage Lender Indianapolis

The mortgage loan process shouldn’t be complicated.
Our simple, hybrid-model approach gets you into your new home sooner than any other mortgage lender.

When you’re pre approved with First Option Mortgage, you’re already approved.

Mortgage Lender Indianapolis
First Time Home Buyer

Discover grants that make homeownership in Indiana possible and affordable.

Mortgage Indianapolis

Unlock below market rates today, save thousands in interest, and refinance to save even more later.


Take advantage of low rates, tap into your home equity, or change your loan terms and save big.

When is it a good time to buy ?

Is it a bad time to buy a house?

If you’re financially and emotionally ready for the responsibility of homeownership, then it’s a good time for you to buy a house, no matter what the market looks like.

But having the money and “feeling ready” shouldn’t be the only reasons. Consider your lifestyle and the non-financial benefits of owning your home:

The housing market should not determine the right decision for you and your family. If you’re financially and emotionally ready for the responsibility of home ownership, then it’s a good time for you to buy.

Your Lifestyle

Are you a parent or plan to be?
Investing in property in your preferred school district means you can prepare for a growing family sooner.

Do you want to be a part of a community for the long haul? Homeownership gives you the longstanding security of that established foundation.

Your Work Situation

Do you have a demanding career?Consider how long it takes to get to work each day, how much you spend on gas, car maintenance, etc.

Today, working from home is more common than ever. You may have the flexibility to move to an affordable location that is more suitable for your needs without it impacting your work.

Your Willingness to Invest Time, Money, and Effort

One of the biggest perks of owning your home is you’re free to customize your space how you see fit.

However, with this pro comes the responsibility of upkeep. Make sure you’re ready to deal with (and budget for) the not-so fun fixes, too.

What about the crazy high mortgage rates?

But, what about the crazy high mortgage rates?

When you work with First Option, you’ll have access to unique programs that offer below market rates for the first few years.

Even if you opt out of those programs, you aren’t stuck with a high interest rate forever. As long as you stay within your budget, you can refinance at a later time.

First Option is here to help you find that sweet spot in your homebuying budget.

Mortgage Lender Indianapolis
Experience the FOM Difference

People You Can Count On
Tired of getting the runaround? Tired of talking to different representatives every time you check in? Stressed by the lack of communication? That won’t happen when you work with First Option Mortgage.

We’re a boutique-style mortgage company. That means you’ll work with the same person the entire time, and everyone else is right down the hall.

EZ Application Process
Apply through the First Option Mortgage EZ App and receive instant updates throughout the process.

All we need from you are two years W2s, two paycheck stubs, two months bank statements, asset documents, and your ID.

No tax returns needed!

Get Approved in Half the Time
Timing can make all the difference in getting the keys to your dream home before someone else.

First Option Mortgage approves your loan within 22-23 days, and your funding will be available 24 hours before closing.

No surprise authentication needed.

Call Us First!

say hello.

Our mortgage lending experience is simple and easy to start. Speak with one of our friendly and experienced mortgage professionals today!

Your Indianapolis Mortgage Loan Options

A conventional mortgage is not insured or guaranteed by the government & must adhere to conservative Fannie Mae and Freddie Mac guidelines.

A mortgage insured by the Federal government. FHA loans have fairly lenient guidelines which is why many first-time homebuyers choose this program.

A mortgage guaranteed by the U.S. Department of Veterans Affair (VA). Active military who meet minimum service period, Veterans who meet length of service requirements, and surviving spouses that meet certain conditions can qualify for a VA loan.

A mortgage guaranteed by the USDA. The home to be purchased must be located in an eligible rural area defined by the USDA mortgage requirements.

At First Option, each loan comes with a personal commitment to ensure our customers an exceptional experience with each step of the mortgage loan process. We work smart to find the lowest interest rates and the best loan program to help our customers reach their financial goals. We value integrity and speed and make purchase transactions a priority. We’re dedicated to being there for you when you are ready to buy your first - or next - home.

First Option is committed to finding a way for every customer to obtain a home loan in Indianapolis. First Option Mortgage is a Lender. We originate, process, underwrite and fund your loans in-house. Our processes are some of the most technologically advanced and efficient in the industry.

Make Your Dream a Reality

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Helping Indiana Homeowners for Over 15 Years

No matter what type of home loan you are looking for, our expert mortgage lenders in Indianapolis at First Option Mortgage can give you the most accurate information and help you find the best loan type for you.

Indianapolis Home Mortgage

Owning a home is a wonderful opportunity to gain stability, security, and to become a lasting part of your community. By buying a home in Indianapolis, you’re investing in your future while giving your family a place to grow, thrive, and create memories.

As your mortgage lender in Indianapolis, we will walk you through your various mortgage options to find the best programs and rates for your situation.

First Time Home Buyers

The home buying process can be overwhelming and stressful, especially for first time home buyers as you try to secure an affordable mortgage. We'll answer all of your questions and remove all of the unknowns and stress by connecting you to a licensed, experienced loan officer who specializes in first-time mortgages here in the Indianapolis area.


Looking to save some money on your home? Refinance your mortgage to get a lower rate and lower monthly payments. Or, take out cash against your home’s equity.

First Option Mortgage will help you refinance for whatever reason in a stress-free process.

Bad Credit Options

Do you have limited or less than perfect credit? First Option Mortgage takes a wholistic view of your financial story and really gets to understand you and your needs. While credit is certainly a factor in the mortgage decision, our experienced lenders have programs available for those less than perfect credit profiles.

Mortgage Company Indianapolis

Experience the First Option Mortgage Difference

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