Mortgage Loan Tips and Videos

Escrow Accounts - what are they and how do they work? Listen as Eric Jones, NMLS# 428259 breaks down the basics. 🏡

Do you know your debt-to-income ratio (DTI)? Listen in as Keith Cullens, NMLS #469463 briefly explains DTI and how it may impact what loan programs you qualify for.

Here at Kentuckiana Mortgage Group Inc. we do everything we can to make the process as easy and quick as possible, but YOU as the borrower have the power to control how fast the loan process moves as well.

Have you ever wondered what is included in your mortgage payment? Listen in as Adam DeSpain, NMLS# 1803932 runs through the components that make up your monthly payment and explains why certain items may not be included.

The process of buying a home looks a little different these days but we have adapted to make things as smooth as possible. Brad Sea NMLS# 425420 shares some of the ways we are embracing technology to help our clients.

Behind the scenes of every closed mortgage is a good processor! Listen as Haley Roth, NMLS# 1830358 and Taylor Cartuyvelles, NMLS# 1545905 explain one of the most important parts of the loan process - Conditional Approval.

Home inspections and home appraisals are commonly confused, but they are two very different things! Listen in as Adam DeSpain, NMLS# 1803932 explains the differences.

Kentuckiana Mortgage Group Inc. is committed to providing a website that is accessible to all individuals and compliant with accessibility guidelines. We are continually making improvements to meet these guidelines, and our website has been designed with accessibility in mind.

Indiana property taxes can be confusing! Listen as Brad Sea, NMLS# 425420 runs through the basics of property taxes and tax proration.

Saving up for a down payment is important, but there could be other costs when buying a home! Adam DeSpain #NMLS 1803932 explains 4 costs that you should consider as you prepare to buy your new home.

Saturday, September 14th marked the 205th anniversary of the ‘Star Spangled Banner’. What better way to celebrate the creation of our national anthem than providing valuable information to those who have served our country! Listen to find out more from Brad Sea NMLS# 425420

With every new purchase loan, you need to set up new homeowners insurance. Eric Jones NMLS# 428259 talks with Rob Holtzmann about what he does at Hyland Insurance, how he can help home buyers, and common misconceptions associated with homeowners insurance.

What are property taxes and homeowners insurance? Adam DeSpain NMLS# 1803932 dives into the specifics of both!

Keith Cullens NMLS# 469463 discusses some important details you should know about condominiums! If you have any questions be sure to reach out to us at 812-725-0017.

In addition to your credit score, your debt-to-income ratio (DTI) is an important piece of your overall financial health. More specifically, DTI is a personal finance measure that compares your debt payments to your gross monthly income. When figuring out how much you may qualify to borrow, brokers factor in the total percentage of income that is paid toward debt every month.

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Keith Cullens NMLS# 469463 goes over some key factors of a USDA loan. Reach out to us at , 812-725-0017 to see if you may be eligible!

Our Mortgage Loan Originators will explain everything you need to know, but understanding some basic mortgage concepts may help you feel more comfortable before you begin the process of obtaining a mortgage.

Eric Jones NMLS# 428259 lists just a few of the careers fields that may qualify for a Down Payment Assistance program!

The team enjoyed the opportunity to get out on the golf course and support the Floyd Memorial Foundation at their Annual Golf Scramble!

The team had a blast participating in the 2019 Louisville Corporate Games!

Whether you are a seasoned home buyer or looking for your very first home, these tips & tricks will help you through the process!

Brad Sea NMLS# 425420 gives us some great information about different down payment options (even including 0% down)!

Adam DeSpain NMLS# 1803932 gives us 5 reasons why you should be considering refinancing your current mortgage.

This is one of the most important steps to buying a home. Getting pre-qualified will give insight as to what price range you qualify for, allow you to talk monthly payments with a broker, and keep you competitive with other potential buyers.

Eric Jones NMLS# 428259 tells us the difference between a mortgage broker and a direct lender.

Brad Sea NMLS# 425420 tells us some things to know when looking to finance a manufactured home!

Keith Cullens NMLS# 469463 tells us the difference between a pre-qualification and a pre-approval and when they are most likely used!

We would like to thank the City of New Albany, the Mayor's Office, Extol Magazine, Develop New Albany A Main Street Organization and everyone that attended or sent well wishes to us the day of our official Ribbon Cutting Ceremony. It meant so much to us and we look forward to these new beginnings!