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Conventional Loans

Located in the crossroads of America, Indianapolis is a conveniently located, wholesome American city that sits in the middle of six interstate highways. Home to a plethora of historic memorials and monuments, Indianapolis is a truly American, family city, one that packs a character punch leaving home buyers wanting more. If you’re considering calling Indianapolis home, you’re not a rarity. The city boasts excellent schools, quality dining establishments, and traveling convenience. One of the quickest and most affordable ways to call this city home is through an Indianapolis Conventional Loan.

Known for their flexibility, Conventional Loans come both fixed and adjustable, with rates up to 453,100 in amount for most Indianapolis markets. The loans can even go higher depending the area and its cost value. Durable as well, Conventional Loans are competitively priced with terms from five to thirty years – flexible to meet your individual demands. Conventional Loans have lots of uses, being used for purchases, rate and term refinances, and cash out refinances. They can also be used for primary, secondary, or investment properties, as well as condos, single family homes, and up to 1-4 unit properties. 

Notable Conventional Loan characteristics include:

  • Debt to income ratios up to 50%
  • Cashed out up to 80% of your home’s value
  • Credit score down to 620 for approval
  • Same day pre-approval
  • 1 month without mortgage payments

Not to mention Conventional Loans offer options with NO PMI, even without the big down payment at the beginning. With options including, as well as not including, escrows or impounds, Conventional Loans are the versatile way to go, especially for first time home buyers in a market.

The Home Loan Expert: Conventional Loans in Indianapolis

We know how important Conventional Loans are for individuals, families, and couples that are looking to foray into the Indianapolis housing market. Since we know this, we work harder and quicker than the larger competitor, providing you with boutique attention and support. Starting with the process, we underwrite, close, and fund the loan, entirely in-house for you. We can guarantee a loan closing period of 14-days or less, with our stellar customer service commitment every step of the way. That’s how we do things here at the Home Loan Expert.

For more information, contact us today:
Ryan Kelley The Home Loan Expert
Indianapolis Mortgage Company
3815 River Crossing Parkway, Suite 100
Indianapolis, IN 46240
(317) 550-1515

See how much we can save you on your new Conventional Loan.

Why Choose The Home Loan Expert

Family In Front Of House

Customer Service

Our customer first approach to mortgages is what separates us from all of the other banks and mortgage companies. Our team will walk you through the process to ensure that your loan closes in a very timely manner. Our competition may think our philosophy on face-to-face customer service is excessive but our clients sure do appreciate it.

We Are The Experts

Our team has set the standard in the mortgage industry. We hire only the best in the business. Our knowledge and experience is unmatched. We continue to train and study new mortgage loan programs to make us the best choice for mortgage refinancing and home purchases, debt consolidation, Conventional, FHA, HARP, VA, and Jumbo Loans available.

Better Home Loans with Lower Mortgage Rates

We provide you with several different mortgage loan options to ensure that you find the mortgage loan program that best fits your needs. Because of the volume of mortgage loans our team closes and the great relationships we have forged within our industry, we’re able to offer the most competitive mortgage interest rates to our clients.

We Are Mortgage Lenders, Not Mortgage Brokers

As a direct mortgage lender, our process has been streamlined from start to finish. Having the entire mortgage loan process contained under one roof allows us to quickly and efficiently close your loan. Our ability to use the newest mortgage loan products and underwrite our own files, allows us to approve loans that our competitors can’t.

Select A Specialty Loan



Best Loan Conditions for ideal



Pay Off High Interest



Flexible Loan Qualification Guidelines
With Attractive Rates



High Value Special



Zero Down Payment Specialty Loan For
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Refinance Without An

"Being a Business Owner is About
More Than Just Bottom Lines."

“Running The Home Loan Expert is two jobs in one.  On one side, I lead our team who help customers fulfill their home ownership dreams. On the other hand, I organize and put forth a lot of time in to giving back to the communities that we serve. Whether it is donations, sponsorship, climbing Mt. Rainier, marching in the desert, stepping in the boxing ring, or donating my time, I do whatever I can to help those in need. The Home Loan Expert understands that, without our local community, we can’t be successful, that’s why we believe giving back to those who have helped us build our business is so important.”

-Ryan Kelley, Founder of The Home Loan Expert

real testimonials. real clients. real results.
why would you go anywhere else?

3815 River Crossing Parkway, Suite 100 Indianapolis, IN 46240

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