Blog Articles - Tevis Durbin

Indiana Down Payment Assistance Programs Most Buyers Are Overlooking

Indiana Housing’s down payment assistance programs are available to more buyers than most people realize, including repeat buyers. Here’s what’s actually available in 2026, who qualifies, and how combining assistance sources can lower your monthly payment.

Stop Trying To Move Young Buyers With Rate Comparisons From the 1980s

The old 18% rate argument does not resonate with younger buyers. Here is the asset based framework that helps Indiana buyers think long term and build equity with clarity.

Are Indiana Rental Properties Still Profitable? The 2026 Investor Reality Check

Are rental properties still profitable in Indiana? In 2026, success requires more than simple cash flow math. Learn how appreciation, amortization, and conservative modeling shape real investor returns today.

A 700 Credit Score Isn’t What It Used To Be

Many Indiana buyers assume a 700 score guarantees the best rate. Lender pricing has shifted. Here is what that means for your approval, rate, and long term payment.

What Slower Appreciation Really Means for Indiana Buyers

Hearing that appreciation is slowing in Indiana? That does not automatically mean prices are falling. Learn the key difference, how buyer demand shifts when rates change, and why waiting for a “better deal” can quietly cost more than most people expect.

Student Loans Are Quietly Disqualifying Indiana Buyers (Here’s What’s Changed)

Student loan repayment has returned, and some Indiana buyers are being disqualified because of it. Learn how required payments, defaults, and debt to income ratios affect mortgage approval and what steps to take now.

How Rate Lock-In Psychology Is Freezing Indiana Homeowners

Sub-3% mortgages created a psychological anchor for Indiana homeowners. Here’s how rate lock-in affects mobility, inventory, and what to consider before your next move.

Insurance Isn’t a Closing Formality Anymore: It’s a Deal Variable in Indiana

Homeowners insurance is no longer a closing formality. In Indiana, premium shifts can affect mortgage approval and buying power. Here is how smart buyers protect their deal early.

Waiting For Lower Rates Can Actually Cost You More

Many Indiana buyers plan to wait for lower rates. Here’s why that strategy can cost you leverage, equity, and negotiating power, plus a smarter way to decide.