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%

$
$
Want a Copy of the Results?

$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%

$
$
Want a Copy of the Results?

$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%

$
$
Want a Copy of the Results?

$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?

May 23, 2019

Home Improvement Projects Perfect for Beginners

Some projects, like renovating your entire kitchen or turning a closet into a full bathroom, are too ambitious for most beginners. But even if you’re a DIY newbie, there are plenty of projects you can tackle without specialized expertise or experience. Plus, becoming more handy around your home is empowering. You’ll make mistakes along the […]

May 16, 2019

Repair or Replace Your Home’s HVAC Unit?

Your HVAC system is one of those unsung heroes in your home. When it’s working well, you hardly notice. When it starts to falter, it becomes a big problem. Your HVAC system is responsible for keeping your home comfortable, no matter the temperature. If you find that your home is too cold in the winter […]

Repair or Replace Your Home’s HVAC Unit?

Your HVAC system is one of those unsung heroes in your home. When it’s working well, you hardly notice. When it starts to falter, it becomes a big problem. Your HVAC system is responsible for keeping your home comfortable, no matter the temperature. If you find that your home is too cold in the winter […]

May 9, 2019

Ways to Utilize Garage Space in Your Carmel Home

Your garage is one of the largest spaces in your home, and can be an invaluable place for storage, when done correctly. Consider what you need to store before planning your storage strategy. Also consider combining one or more of these techniques to make the best use of the garage space in your home. Garage […]

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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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