Mortgage Lender Indianapolis, IN

Mortgage Lender Indianapolis, IN

Mortgage Lender Indianapolis

First Option Mortgage is an experienced and people-first mortgage lender in Indianapolis, Indiana. We know that buying a home is a major life event and likely the largest purchase you’ll ever make. We take that responsibility seriously and personally. We look forward to the opportunity to meet you, hear your story and make your home ownership dreams come true!

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Mortgage Lender Indianapolis
Mortgage Indianapolis

We understand the mortgage transaction process, how it works and how it impacts the life of every person applying to buy a home.

First Time Home Buyer

As a first-time home buyer, this is likely all new to you. We here to walk you through this life-changing event as stress-free as possible!


There are many different reasons why you may look to refinance your loan. We’ll help you find the best rates available for your personal situation.

Is it a bad time to buy a house?

Is it a bad time to buy a house?

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.

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.

But, what about the crazy high mortgage rates?

But, what about the crazy high mortgage rates?

Buying a home is a personal decision. A higher interest rate should not be what determines if you should buy a house if you’re ready otherwise.

Don’t allow the market, the news, your friends, family members, or a mortgage lender to pressure you to wait.

Besides, less competition means you could get a great deal. More on that later.

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What Should Determine When to Buy a House?

What Should Determine When to Buy a House?

That’s a good question, albeit a loaded one. There are a couple factors to consider that have less to do with the cost that are just as important.

Your Are Not Married to Your Interest Rate

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? Home ownership 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 commonplace. You may have the flexibility to move to an affordable location that is more suitable for you.

Mortgage Lender Indianapolis
Experience the FOM Difference

At First Option Mortgage Indianapolis, mortgages are about much more than numbers and rates. They’re about people: families and veterans, newlyweds and retirees looking for a better life.

Purchasing a home in Indianapolis, IN – whether its your first or fifth home – is life-changing, which is why we’re committed to every call that inquires about rates and every person who walks through our doors with a dream of home ownership.

We care about each other and our customers, because we believe in putting people first. We believe in making a difference.

We promise to set up a loan that comfortably fits your budget, so you can feel confident and fully prepared for the exciting journey of home ownership.

I’m Ready!

say hello.

say hello.

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


Trusted Mortgage Company in Indianapolis, IN

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.

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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.

Say hello to your first option lender.

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Mortgage Company Indianapolis

Experience the First Option Mortgage Difference

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Your Local, Experienced & Personable Mortgage Lender in Indianapolis

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.

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