We have dozens of other ways to help you unlock the doors to your new home!

Before you even start shopping, get prequalified by one of our mortgage professionals.  You'll have the clout of a cash buyer and you will know how much you can afford. You will be well on your way to the mortgage program that's right for you as soon as you make the offer.

You need someone on your side when you're buying a home. Who makes sure you aren't doing paperwork you don't have to do. Who speeds up some of the steps you can't avoid. You need a "blocker," clearing the way of obstacles as you head toward your goal.

That's where we come in! Welcome to our website, where you'll find out how we make the process of qualifying, applying, and getting approved for a mortgage loan simpler than you ever imagined.

"The great pleasure in life is doing what other people say you cannot do.  We understand that out of all the things we do in life, we are the starter and exector of someone's dreams."

When you've picked out your dream home, the paperwork and hoops to jump through with disclosures, appraisals, inspections, title insurance, closing and more can be overwhelming. We are here to work with you during the entire loan process and will keep you informed every step of the way so you can concentrate on getting ready to move!

The METRO Team of Nichols Mortgage Services, Inc. is committed to providing you with the highest level of service and satisfaction!

Browse our website to learn about today's rates and programs, what you'll need to apply, how easy it is to prequalify and earn the clout of a cash buyer, and how we help find the loan program that's right for you.  

Available Loan Programs 

    * FHA loans with FHA in-house
       underwriting & funding
    * $100 down HUD Repo
    * Indiana Housing 
    * Conventional Mortgages
    * VA - No Money down Loans
    * 102% USDA Farmers Home
    * 100% Financing (Bond)
    * Rehab Loans
    * Jumbo loan programs
    * Investment
    * Purchase money
    * Refinance

       Get Pre-Approved, not just Pre-Qualified!

Why not take the next step and get pre-qualified and pre-approved for a home mortgage loan? Not only will you know your housing budget to the dollar before you start looking for a home, you'll also have more negotiating leverage because the seller knows you've already got a loan virtually in your pocket.

Pre-qualification
Pre-qualification acts as a dry run of the loan application process. We will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

Pre-approval
Pre-approval takes pre-qualification one step further. We will contact your employer, your bank and others to verify your income, assets, debts and credit history, and then issue you a letter stating that your mortgage is approved for a certain amount within a certain timeframe. You may be charged a small fee to cover the cost of your credit reports and your application, often refunded at closing.

 

Gain the buying edge
The advantages of pre-qualification and pre-approval are two-fold: you're more attractive to sellers, who needn't worry that they'll accept your offer only to have your loan turned down, and you'll save time to closing when you find a home because the lender will have already completed the necessary qualifying and underwriting steps.

Important note: Should your financial circumstances change before closing, make sure to contact The Metro Team of Nichols Mortgage Services, as your pre-qualification or pre-approval status may no longer be valid.

     Nichols Mortgage Services, Inc. is an Indiana based mortgage banking company.  We offer a wide variety of mortgage products including purchase money and refinance loan options.  We will provide you with years of mortgage experience, competitive interest rates, several loan programs and our quality customer service.