Blog Articles - Tevis Durbin

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.

Buying a Home in Fishers Builds $75,000 More Wealth Than Renting

A zip-code-level rent vs. own analysis for Fishers, Indiana shows buyers come out $75,000 ahead of renters over seven years, even when paying more out of pocket each month. Here’s how the math actually works.

USDA Loans Give Indiana Buyers a Path Beyond Hamilton County Prices

Hamilton County prices pushing your timeline back? USDA loans give Indiana buyers a zero-down path to homeownership in eligible rural counties just north of Hamilton, and many buyers are reaching closing sooner than they ever expected.

Buying Your First Home at 25 Beats Waiting Until 40

The average first-time buyer in America is now nearly 40. For Indiana buyers in their 20s and 30s, that delay carries a real six-figure cost in missed equity, appreciation, and amortization. Here is what the zip-code-level numbers actually show.

A Bank Mortgage Decline Doesn’t End the Deal

A bank mortgage decline does not mean you cannot buy. It often means you found the wrong lender first. Learn why bank overlays reject qualified borrowers and why a second opinion from a dedicated Indiana mortgage company frequently changes the outcome entirely.

The Condo Approval Step That Can Block IHCDA Down Payment Assistance

Indiana condo buyers using IHCDA down payment assistance face a hidden US Bank approval step that has nothing to do with Fannie Mae eligibility. Here’s what it is, why it matters, and how to protect your funding before you make an offer.

VA Loan Entitlement Math Veterans Should Know Before Buying Again

Indiana veterans who still own their first VA-financed home can often buy again using remaining entitlement. Tevis Durbin walks through the 25% coverage formula and shows exactly where the zero-down threshold lands for Hamilton County buyers in 2026.

How Your 1099 Gross Income Can Qualify for an Indiana Mortgage

Self-employed borrowers with strong 1099 income are being told they do not qualify based on taxable income their accountant intentionally reduced. Indiana’s 1099 mortgage program uses gross income – not write-offs – to determine what you actually qualify for.