Blog Articles - Tevis Durbin

Your Car Payment May Be Killing Your Mortgage Approval

Your car payment may be quietly disqualifying your mortgage, even if your income and credit look solid. Learn how auto debt affects your DTI, why co-signed loans count, and the debt paydown strategy that actually maximizes your buying power in Indiana.

Cash Buyers Can Recapture Capital With Delayed Financing

Most cash buyers don’t realize they can recapture up to 80% of their purchase price within weeks of closing. Delayed financing combines the competitive edge of a cash offer with the capital flexibility of a mortgage, and most Indiana buyers have never heard of it.

RESPA Rules for Community Bank Mortgage Partnerships Explained

RESPA doesn’t prohibit bank referral fees – it prohibits unearned ones. Learn the six-step compliance checklist and DFI pre-validation strategy behind the community bank affinity program scaling across Indiana, and why most lenders get rejected before they start.

RESPA Enforcement Is Now Reaching Local Lenders and IMBs

RESPA enforcement is no longer limited to large institutions. Local IMBs and regional lenders now face the same scrutiny – and long-standing practice is not a legal defense. Here is what compliant referral structures actually require in Indiana.

Assumable Mortgages Sound Great Until You Run the Numbers

Assumable mortgages attract attention when rates climb, but the equity gap between what sellers owe and what homes are worth today makes most assumptions impractical. Here is what the headlines leave out, and what to consider instead.

Bridge Loans Let Move-Up Buyers Make Contingency-Free Offers

Move-up buyers in Hamilton County often have the equity they need but not the financing structure to act on it. This breakdown covers how bridge loans and mortgage recasts work so you can make a contingency-free offer with clarity and confidence before your next purchase.

New Construction Financing Mistakes Indiana Buyers Regret

New construction financing in Indiana carries risks that standard mortgage advice misses. From rate lock gaps to builder incentive traps and change order overruns, here’s what to ask before you sign the contract and why the timing matters.

Comparing Total Long Term Costs For FHA and Conventional Loans in Indiana

FHA and conventional loans price mortgage insurance very differently, and that gap often matters more than the interest rate. Here is how to run the real comparison for your credit score, down payment, and property type in Indiana before you decide.

When Supreme Lending Covered Unexpected Fees to Save a Deal

A first-time buyer in Indiana nearly lost her condo purchase over a building insurance gap she had no control over. This is the story of how deep FHA condo financing knowledge and internal authority found a $1,010 solution that most lenders would never have identified.