Process

Before you start filling out forms, please review the steps of the process and the corresponding materials to see if you qualify. Click the “Get Started” button below to start the process after you’ve reviewed these steps.

Use the Mortgage Calculator
Find out if you qualify for our HomeSmart program.
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Review Fact Sheet
Download and review HomeSmart Fact Sheet
Fill Out Forms
Fill out the Income Certification Questionnaire, Homeowner Contact and Information Sheet, and Authorization for Release of Information.
Underwriting & Qualifications
If you qualify, your information will be sent to the Merchants Bank of Indiana. They will ask additional questions, have you fill out more forms, and run your credit report.
Pre-Qualification Letter Issued
After reviewing all of the necessary documents, Merchants Bank of Indiana will issue a pre-qualification letter.
Complete Home Buyer Education
Before you close on your house, you will need to finish the in-person or online, Qualified Home Buyer Education Course (8 hours) through a HUD-approved housing counselor. Click here to find one.
Find Your Home
After you've completed all of the steps above, it's time to find your home and close!

READY TO BEGIN?

Start filling out the required paperwork now. Click to begin.