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Home Loans - Mortgage

Happiness is your first home.

We tailor our loans to fit the needs of homebuyers. Find the perfect home today. Take the first step and contact us!

First-Time Homebuyers

We offer lending products to meet first-time homebuyer and newly single mortgage needs. Grant funds may also be available through our partnership with the Federal Home Loan Bank of Indianapolis. This is a great program for low/moderate income borrowers with as little as a 600 credit score with no over 30 day late payments in the last 12 months!

  • Only 3% down
  • No PMI
  • Low Fixed Rate with borrower only contributing $1,000 of your own funds; rest can come from a Gift or Down Payment Assistance Source


Ready to take the next step? 

Government Programs

We can assist you in applying for government programs available to the public such as FHA, VA, USDA, etc. which may help you qualify for credit, may offer down payment assistance or may reduce the rate of interest you would otherwise pay.

FHA Insured Mortgage (Federal Housing Administration)

Because this loan is insured by the government, credit history requirements may be more relaxed and rates may be lower than a traditional mortgage. Down payment requirements are also lower than a traditional loan.

  • 3.5% minimum down payment
  • The seller can assist with closing costs, a portion can be factored into the loan, and down payment money can be gifted by a relative.
  • No income limits
  • Not limited to first-time homebuyers
  • Click here to learn more.

Indiana Housing Program Loan

This program offers below-market interest rates to income-eligible first-time homebuyers.

  • As little as 3% down
  • Down payment assistance is provided to families of moderate to lower income levels.
  • More liberal qualification ratios are used than with conventional loans.
  • Fixed rates
  • Ask us about other state programs that might be right for you!
  • Click here to learn more.

USDA Rural Housing

This loan is designed to help low- to middle-income households buy, build, or repair homes in rural areas.

  • No down payment required - 100% financing available
  • Flexible qualifying guidelines 
  • Click here to learn more.

VA Mortgage (Veterans Administration)

This loan is for eligible veterans and may offer more favorable terms than other loan options.

  • No down payment is needed for qualified veterans, surviving spouses and other military personnel.
  • 100% financing available
  • Seller contributions allowed
  • Click here to learn more.

For more information, call Tracie Marling, NMLS 543523, 765.640.4975, fill out the free online application,  or email tmarling@firstmerchants.com.

Questions about your credit score?

We are here to help - fill out the no obligaton application and one of our mortgage experts can help guide you through ways to raise your credit or find you the best mortgage available. For more information, call Tracie Marling, NMLS 543523, 765.640.4975 or email tmarling@firstmerchants.com.


Contact us to determine if refinancing might be able to save you money.

Home Equity Lines and Loans

We offer homeowners great lending options with our home equity lines of credit and home equity loans.

Take the Next Step!

Call Tracie Marling, NMLS 543523, 765.640.4975, fill out the free online application,  or email tmarling@firstmerchants.com.


Check rates and apply online

Find out more: Visit our online mortgage center, where you can check rates, find online calculators, and more, all at your fingertips.