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?

July 11, 2019

Simple Guide to Summer’s Most Important Home Maintenance Tasks

There are a few home maintenance tasks you should tackle during the summer to keep your home in tiptop shape all season long. Check these eight projects off your to-do list before firing up the grill. Maintain your refrigerator To keep your refrigerator running efficiently in these hot months, you’ll want to vacuum and clean […]

July 4, 2019

Housecleaning Hacks for People Who Hate Cleaning

Here are some great housecleaning hacks for people who hate cleaning their house. Let’s face it, this is everyone. Use old socks to clean blinds Blinds often have multiple sides and shapes, so they can sometimes be a hassle to clean. But with this simple hack, they don’t have to be. Simply use a mixture of equal […]

June 27, 2019

The Best Ways To Deal With Weeds This Summer

Now that summer weather is here, it’s time to start thinking about lawn maintenance. This is especially true when it comes to keeping weeds at bay. With that in mind, here are all the weed prevention tips that you need to know. Take the time to read them over so that you’re ready to keep […]

June 20, 2019

Escrow 101 for Carmel Home Buyers

When you buy a house in , you basically have to learn a whole new language. Between figuring things out with your mortgage lender and navigating the results of the home inspection, you’re probably googling words left and right. It’s important to protect yourself during this major transaction. And that’s why one of the words […]

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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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