by | Aug 31, 2026 | Market Insights
If your earnings include overtime, bonuses, commissions, or second-job income, mortgage qualification works differently than it does for straight salary. Lenders must document that the income is stable, has an established history, and is reasonably expected to...
by Tevis Durbin | Feb 26, 2026 | Mortgage
For a while, student loans felt almost invisible in the mortgage conversation. Payments were paused. Headlines promised forgiveness. Many borrowers assumed time was on their side. That quiet window has closed. Across Indiana, repayment pressure has returned, reshaping...
by Tevis Durbin | Feb 19, 2026 | Mortgage
For years, homeowners’ insurance felt like little more than standard paperwork. After finding a house and securing a loan, you’d call an insurance agent near closing. You were checking a box. That sequence no longer works the way it used to. In...
by Tevis Durbin | Feb 17, 2026 | Mortgage
If you bought, or even tried to buy, during the 3% era, you learned one thing quickly: move fast or lose the house. That lesson made sense at the time. Low rates pulled a surge of buyers into a tight pool of homes across Indiana. The result was predictable: bidding...
