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FHA Loans

So you’re looking to buy your first home or refinance your current property? Well, The Home Loan Expert in Indianapolis has a fantastic option for those who are skeptical about their credit score, are weary of putting too much money down on a down payment, and are generally turned off by the entire process of applying for a loan; the FHA Loan can solve your dilemma. One of the most flexible housing loans available right now, The Home Loan Expert is ready to preapprove your FHA Loan and get you into your new house in Indianapolis!

The Home Loan Expert is an FHA, directly endorsed and approved lender from the Department of Housing and Urban Development. Our extensive expertise and understanding of the Indianapolis housing market is not something many lenders share. Let us walk you through the basics of the FHA Loan so you can decide if it’s the right choice for you. In fact, 1 in 5 homebuyers choose an FHA Loan to help finance their home.

With an FHA Loan:

  • Rates are typically lower than a Conventional Loan
  • You can use it to purchase a condo, a single-family home, or a 1-4 unit property
  • You will receive one month without mortgage payments
  • You can cash out up to 85% of your home’s value
  • You can refinance up to 97.75% of your home’s value

Currently, FHA loan amounts in Indianapolis and the surrounding areas are as much as $322,000 for a single-family house and $619,250 for a 4-unit home.

My credit is below 600 and my debt is more than 50% of my income, now what?
Then the FHA Loan is perfect for you! You can still qualify for an FHA Loan with a credit score as low as 580 and a debt to income ratio as high as 57%. You can still even qualify for a down payment as low as 3.5%! This is why we at The Home Loan Expert are quickly falling in love with the FHA Loan. The flexibility provided by this loan is helping to sell property in Indianapolis quickly and painlessly.

The Home Loan Expert values speed, service, and security above all else. Our team will walk you through the lending process to ensure we close your loan in a timely manner. Our face-to-face approach to customer service is just another way for us to make you feel calm, cool, collected, and confident. Not all lenders can match that type of service! You can get preapproved for your FHA Loan on the same day you apply. Stop by our office in Indianapolis today to get started on buying the home of your dreams!

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

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



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With Attractive Rates



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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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