Carmel Home Mortgage Expert

Helping you and your family achieve the dream of homeownership.

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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?

Are You Considering Moving? September 15, 2020

Are You Considering Moving?

How long have you lived in your current home? If it’s been a while, you may be thinking about moving. According to a recent study by the National Association of Realtors (NAR), in 2019, homeowners were living in their homes for an average of 10 years. That’s a long time to be in one place, […]

Just Purchased A Home? Make Sure To Check These Items September 7, 2020

Just Purchased A Home? Make Sure To Check These Items

It’s hard work becoming a homeowner. After you move into your new house, realize that the work may not be completely finished yet. Here are a few things you should take a look at right away in order to maintain your new home. Gutters Your gutters are an important part of your home. They’re designed […]

Behr Announces 2021 Color Forecast September 1, 2020

Behr Announces 2021 Color Forecast

Behr Paint Co. unveiled 21 versatile colors on Monday to make up its Color Trends 2021 Palette. The colors include neutrals mixed with some lavish bolds to create “energizing, yet comforting” focal points in a home, Behr says. “This has been a year of unpredictability and 2020 has significantly changed our relationship with home,” says […]

Home Sales and Median Price both hit records in July August 26, 2020

Home Sales and Median Price both hit records in July

Existing-home sales jumped 25% in July from June, beating the prior record gain of 21% set a month earlier, as low mortgage rates fueled demand for real estate across the United States. Sales of single-family homes, townhomes, condominiums, and co-ops rose to a seasonally adjusted 5.86 million, the highest level since 2006, the National Association […]

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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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