Is the calculator free?
Yes. The mortgage calculator is completely free to use. No signup or personal information required.
How accurate are the estimates?
The calculator uses current Marion County property tax rates, Indiana closing cost averages, and up-to-date IHCDA program information. Actual mortgage rates, taxes, and fees may vary. Always consult with a qualified lender for final numbers.
Do you offer mortgage services?
No. This site is an educational resource, not a mortgage provider. I plan to connect buyers with lenders through future affiliate partnerships. These will be clearly disclosed when available.
Can I trust the IHCDA program information?
I work to keep the information on this site current, but IHCDA programs can change. I recommend verifying program details directly at
in.gov/ihcda before making financial decisions.
How often is the data updated?
I review all figures each January, including Marion County property tax rates, homeowners insurance averages, IHCDA program details, and neighborhood data. If you believe a figure is out of date, please let me know.
Do you partner with real estate agents?
Not yet. I plan to establish referral relationships with experienced Indianapolis agents who specialize in first-time buyers. If you are an agent interested in partnering when that program launches, email me at the address below.
Do you have a neighborhood guide?
Yes. The
Areas page covers six Indianapolis neighborhoods with price ranges, school ratings, commute times, crime grades, days on market, essential services, and a side-by-side comparison tool. There is also a quiz to help you find the best fit based on your budget and lifestyle.
What is the mortgage glossary?
The
Glossary page defines 83 mortgage terms in plain language with Indianapolis-specific examples. If you are new to homebuying, the Start Here section highlights the six most important terms to understand first.
Is there a guide to the home buying process?
Yes. The
First-Time Buyer Guide walks through every step from checking your finances to closing day. It includes a printable checklist you can use to track your progress.