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Meet Your Heritage United Mortgage Team.
We're ready to help you with your home financing.
Our team is licensed in Indiana and Kentucky so we can help you with home financing throughout both states.
Dan Phillips
Branch Manager
NMLS# 6518
States Licensed in: IN, KY
Kim Clark
Marketing Coordinator
The Right Loan Program for You
Which Scenario Below Best Describes You?
FHA
I do not have a lot of money for a down payment.
Loan Features:
- Great for First Time Homebuyers
- Low Down Payment
- Easy Credit Qualifying
- Purchases can Include Rehab and Remodels
- Easy Refinancing
USDA
I live in a rural area and need financing for a home.
Loan Features:
- Great for those with Low to Moderate Income
- Up to 100% Financing
- Flexible Underwriting Guidelines and Credit Qualifications
- Household Income & Property Geographic Limitations Apply
Conventional
I am able to make a larger down payment.
Loan Features:
- Great for those with Moderate to High Income
- As Little as 5% Down Payment (only 3% for First-Time Homebuyers)
- 20% Down Payment Removes Mortgage Insurance Premiums
- Flexible Terms
VA
I am an active member of the military or a veteran.
Loan Features:
- Designed to Provide Financing to American Veterans
- Up to 100% Financing
- No Monthly Private Mortgage Insurance (PMI)
Doctors
I am completing my residency and want to buy.
Loan Features:
- Flexible Down Payment Options
- Up to 100% Financing
- No Monthly Private Mortgage Insurance (PMI)
DU Refi Plus
I had a conventional loan before 2009 and owe more on my mortgage than my home is worth.
Loan Features:
- Increased Underwriting Flexibilities
- Refinances Existing Fannie Mae Loans made before May 31st 2009 for Today’s Low Interest Rates
- No Mortgage Insurance Premiums Required if Mortgage Insurance was not Required at Start of Existing Loan
FHA Manufactured Home
I want to purchase a manufactured home.
Loan Features:
- Great for First Time Homebuyers
- Low Down Payment
- Easy Credit Qualifying
- Easy Refinancing
What Would You Like to Do?
Refinance My Mortgage
Learn MoreIf you’re looking to purchase a home, the first step is to talk to our team and get pre-approved.
We’ll have a one-on-one conversation that results in a customized pre-approval plan to get you to the closing table. We’ll review your finances and determine the best loan program to help you accomplish your goals.
Once you understand your mortgage options, we’ll start working on your application.
During this part of the process, our team will help you determine which documents need to be submitted, what the right down payment is for your goals, and double check everything before submitting to our underwriters.
When your home loan is clear-to-close, we’ll schedule the closing and finalize a few last-minute details.
This is the most exciting part of the process because after you sign your closing documents, we get to welcome you home!
Required documentation for a home loan.
When you apply for a home loan you'll need to provide the following documentation.
| Purchase Loan | |
|---|---|
| Copies of Federal Tax Returns (all pages/schedules) and W-2’s for Prior 2 Years | |
| Most Recent 30 days of Pay Stubs with YTD Gross Earnings | |
| Most Recent 2 Months of Bank Statements (all pages) | |
| Asset Statement (401K, brokerage accounts, mutual funds, stocks, etc.) | |
| Signed Loan Application | |
| Driver’s License and Social Security Card | |
| Signed Purchase Agreement | |
| 12 Months Cancelled Checks for Verification of Rent and Rental Agreement | |
| Other Documentation may be Required |
If you’re looking to refinance a good first step is determining why you want to refinance.
We’ll have a one-on-one conversation that results in a customized pre-approval plan to get you to the closing table. We’ll review your finances and determine the best refinance option to help you accomplish your goals.
Once you understand your refinance options, we’ll start working on your application.
During this part of the process, our team will help you determine which documents need to be submitted, what the right down payment is for your goals, and double check everything before submitting to our underwriters.
When your refinance loan is clear-to-close, we’ll schedule the closing and finalize a few last-minute details.
Required documentation for a home loan.
When you apply to refinance you'll need to provide the following documentation.
| Refinance Loan | |
|---|---|
| Copies of Federal Tax Returns (all pages/schedules) and W-2’s for Prior 2 Years | |
| Most Recent 30 days of Pay Stubs with YTD Gross Earnings | |
| Most Recent 2 Months of Bank Statements (all pages) | |
| Asset Statement (401K, brokerage accounts, mutual funds, stocks, etc.) | |
| Signed Loan Application | |
| Driver’s License and Social Security Card | |
| Mortgage Statement or Coupons | |
| Other Documentation may be Required |