Home / Home loans
A mortgage you were actually walked through.
We lend our own money and we work with other lenders, so you see the real options next to each other instead of one bank’s single answer.
What we lend on.
Three situations, and most Indiana borrowers arrive in one of them.
Buying
Your first house, or the next one. We can look at your numbers before you make an offer, so you know what you are working with when something good comes up.
Refinancing
A lower payment, a shorter term, or cash out of the equity you have built. Whether it is worth doing depends on your rate and how long you plan to stay, and we will say so if it is not.
Borrowing against equity
You have paid down a good part of the house and now you want some of it back, for a renovation, to clear higher-interest debt, or for a bill you did not plan for. We can show you what you have built up and what it costs to reach it.
A bank shows you the one mortgage a bank sells.
We are not tied to a single set of terms, so your file gets looked at more than one way and you see what each option came back with. Sometimes the difference is a rate. More often it is a condition buried three pages in that would have cost you two weeks at closing. That is the part we read for you.
How a home loan runs here.
Four steps, and you hear from us at each one. We do not put a number of days on any of them, because the honest answer depends on your file, the property and the lender.
Questions before you start?
(317) 620-4100
You apply
One secure application on our lending platform. You upload your documents once, and they are not asked for again halfway through.
We shop it
Your file gets priced against our own lending and against the lenders we work with. We compare what comes back and walk you through which differences matter and which are noise.
You choose
You choose the offer that best fits your needs. There is no obligation to proceed, and any applicable fees will be clearly disclosed before you move forward.
You close
We run it from underwriting through to the closing table, including the appraisal, and tell you before anything changes rather than after. You will need a homeowners policy in place by then, and we will tell you early enough that it is not a scramble.
What you will need to hand us.
Gather these and the first week goes considerably faster. Your situation may need less, or more.
- Photo identification
- Pay stubs covering the last 30 days
- W-2s or 1099s for the last two years
- Federal tax returns for the last two years, all pages and schedules
- Bank statements for the last two months, all pages
- If you are self-employed: year-to-date profit and loss, and business returns
- A homeowners insurance policy, which has to be in place before you can close
One step people are rarely warned about is the appraisal, which your lender orders and you usually pay for. We wrote up what an appraisal costs in Indiana, your right to a copy of it, and what your options are if it comes in below the purchase price.
Work out a payment before you talk to anyone.
Principal and interest only. Put your own numbers in and see where you land.
Interest rate is user-entered and is not a quote from Golden Key Lending. Monthly payment is an estimate of principal and interest only. It does not include property taxes, homeowners insurance, mortgage insurance, HOA dues, or closing costs. This calculator is not an offer of credit, a loan quote, or an approval.