Carmel Home Mortgage Expert

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The Kraft Vrooman Mortgage Group

The Kraft Vrooman Mortgage Group

Senior Loan Officers

(317) 324-0191
NMLS #1025897 | 1326281

Which Home Loan is Right for You?

3 of the most popular Carmel home loans we provide here at Mid America Mortgage Carmel are listed below. We've highlighted just a few of the key differentiators between these mortgage types that will help you understand which one may be best suited for your needs. If you'd like to learn more about all the Carmel home mortgage products we offer, please click below.

Conventional Home Loans Carmel

Typically a fixed rate home loan that allows the borrower to eliminate mortgage insurance once they hold >20% equity in their property.

  • Lower Rates
  • Flexible Terms
  • Fixed or Adjustable
Learn More

FHA Home Loans Carmel

This home loan program allows down payments as low as 3.5% of the purchase price, although you are required to pay mortgage insurance.

  • Lower Credit Requirements
  • Smaller Down Payment
  • Competitive Rates
Learn More

VA Home Loans Carmel

Reserved for those who serve our country. VA home loans offer 100% financing, low interest rates & don't require mortgage insurance.

  • 0% Down Payment
  • No Mortage Insurance
  • No Prepayment Penalties
Learn More

Calculate Your Mortgage

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
$

0%

1%

5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

What's Your Home Worth?

Coronavirus Real Estate Myths August 5, 2020

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Home Improvement on a Budget July 29, 2020

Home Improvement on a Budget

You finally have the time to work on home improvement projects, but you don’t want to stretch the budget. The good news is you can make a big difference and enhance your home with these easy DIY projects. Change Out Lighting Replace those dated ceiling lights with modern fixtures. Make sure you choose lighting that […]

Don’t Forget About These Summer Home Tasks July 21, 2020

Don’t Forget About These Summer Home Tasks

Many associate cleaning with springtime, but summer cleaning tasks are just as important. With warmer temperatures and longer days ahead, there’s no better time to open the windows, throw on a pair of gloves, and get to work. Cleaning your home is important, but don’t forget to take care of heavy-duty home maintenance tasks as […]

Shopping Tips For New Construction Homes July 14, 2020

Shopping Tips For New Construction Homes

Owning a newly-built home can be a source of immense pride and enjoyment. Having the chance to build a house to your specifications provides a great opportunity to move into a home that you can enjoy for many years. As a potential buyer of a new home in , there are some important things to […]

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Contact The Kraft Vrooman Mortgage Group

The Kraft Vrooman Mortgage Group - Senior Loan Officers

NMLS# 1025897 | 1326281

(317) 324-0191

12900 N. Meridian Street, Suite 100 Carmel, IN 46032

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