First Option Mortgage prides itself on making the dream of homeownership a reality for everyone. Each of our customers have unique financing needs and may not have ideal credit history. Our professional, licensed Indianapolis mortgage loan officers will take the time to understand your situation and provide you with the information needed to become eligible for home financing.

Please use this guide as a tool to help you determine the waiting period for significant derogatory credit events which include bankruptcies, foreclosures, deeds-in-lieu of foreclosure, pre-foreclosures, short sales, and mortgage chargeoffs.