Blog Articles - Tevis Durbin

Why Online Mortgage Rates Can Mislead You: What Lenders Don’t Show

Online mortgage rates look simple but rarely match what real buyers qualify for. Learn how credit, down payment, property type, income, and Indiana taxes change your actual rate and monthly payment.

The $5,000 to $10,000 Surprise: Why Closing Costs Shock First-Time Buyers

Many Indiana first time buyers feel shocked when they see $5000 to $10000 in closing costs. Here is a clear breakdown of the three buckets, why they exist and how to plan confidently.

Bank Statement Loans 2025: A Self-Employed Buyer’s Guide

Bank statement loans in 2025 let self employed buyers qualify based on actual cash flow instead of tax returns that hide true income. This guide explains how the method works, why it is safer today, and how to strengthen your file.

Low Scores? How Buyers Still Get Approved in 2025

Low credit no longer kills the deal. In 2025, lenders look at compensating factors like down payment, income, DTI, and reserves. Here’s how real Indiana buyers with low scores still get approved and what strengths matter most.

When Credit Scores Disappear: What First-Time Buyers Don’t Know

Your credit score can disappear with 6 to 12 months of inactivity. Learn why it happens, how to prevent it, and steps for Indiana first time buyers.

Fannie Mae Drops Minimum Credit Score, But Your Score Still Counts

Fannie Mae removed the minimum credit score requirement, but that does not mean any score works. Here is how Indiana buyers can qualify by balancing income, savings, and real compensating factors.

Credit Roadblocks? Here’s How a Good Lender Clears Them Fast (Without Guesswork)

A vague “wait and see” credit plan won’t get you home-ready. Here’s how Indiana lenders fix credit fast — with proof, documentation, and real-time updates that move your score before you buy.

The Lending Edge: How to Pick a Lender Who Can Actually Close Your Deal

Rates matter, but a lender’s process lands the deal. Verify licensing, get apples to apples Loan Estimates, shop within 45 days, and choose the team with a written plan and steady communication.

Bank-Statement Loans for Self-Employed Buyers in Indiana

Self-employed borrowers can use bank-statement loans to buy now and refinance later. Learn how these flexible non-QM mortgages help Indiana entrepreneurs qualify without tax returns.