Ready to buy your dream home?

Explore the best financing options and rates for you and your family.

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*Payment is an estimate and is based on base floor plan sales price, 30-year fixed 6.875%, 5% Down Payment, Principal, Interest, estimated Local/County Taxes.  HOA Fees are not included in the monthly payment estimate and vary by neighborhood and product series. Pyatt Builders is not responsible for any errors, omissions or misrepresentations. Additionally, Pyatt Builders makes no representation about your ability to obtain financing. Pyatt Builders is not a lender and does not have the ability to pre-qualify you for any loan program. Qualification for financing and actual loan pricing can only be provided by a qualified lender, and may require additional information such as credit scores, income verification, and cash reserves. Rates, prices, terms and availability are subject to change without notice. (04/18/2024)
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We're here for you!

As real estate professionals, with decades of combined market experience, we will work to find the right home for you and your budget.

The carefully selected Pyatt and Finecraft preferred lenders are professional, experienced, financially savvy companies and individuals who understand the inner workings of the new construction, real estate and the financial worlds. They will act as your guide throughout the entire mortgage process, faithfully keeping you informed of any developments with your application.

Why Use A Preferred Lender:

As a premier and respected central Indiana area builder, we set high standards for our preferred lender group. The reasons to use these lenders are three-fold:

  1. Efficient Mortgage Process: They understand local market needs, the differences with the new construction process vs an existing home, and utilize the best technology to process and approve loans quickly.
  2. Excellent Service: When something as big as purchasing your dream home is at stake, you don’t want to be left in the dark. They communicate directly with you whenever there is a new development with your file. They are committed to being very accessible for any questions or concerns during the process.
  3. Professional Employees: You won’t find loan officers this motivated to help you anywhere else. Our lender partners are helpful, truthful, and knowledgeable. They will use their years of experience to help you accomplish your objectives and budgets.

Also, additional paid closing costs may be available to you as well. See your Community Sales Manager or preferred lender for details.

Traditional Mortgage Types

Conventional Mortgage

In basic terms, any mortgage that is not insured by the federal government is “Conventional.” Fixed- and adjustable-rate mortgages are both considered conventional. These loan types may be “conforming” or “non-conforming.”

A conforming mortgage is backed by the government-sponsored entities Fannie Mae and Freddie Mac. There’s also a size limit on conforming loans. If a loan goes over the limit, it’s called a “jumbo” mortgage and has a higher interest rate.

Typically, conventional mortgages result in higher down payments than government loans, (FHA and VA). And, if you borrow more than 80% of the home’s value, mortgage insurance is traditionally required.

FHA Mortgage (Federal Housing Administration)

FHA loans are government-backed, like savings bonds. The FHA is not actually lending the money to borrowers and they do not set the interest rates on FHA loans. They are simply the insurer of the mortgages.

With an FHA loan, the down payment can be as low as 3.5% of the purchase price of the home.

VA Mortgage (Veterans Administration)

VA loans provide veterans and/or their surviving spouses with a 100% financed, zero down payment, federally guaranteed mortgage. Unlike FHA and conventional loans, it’s one of the few places you can buy a house with zero down. Often referred to as the GI Bill, this program has been highly successful. It has helped millions of American veterans and their families buy a home.

USDA Loans

A USDA home loan is a zero down payment mortgage for eligible , and traditionally more rural homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture. Income limits and other requirements can vary by location and household size.

Note: these are just some examples of the many loan types available. See a preferred lender to learn about any speciality, grant, down-payment assistance, bond money programs, and more.

For Additional Information, Or To Make An Application, Contact A Preferred Lender Today!

Trishia West, Branch Sales Manager
NMLS ID: #1405069
Phone number: 317.626.0403
Brian Slayton, Loan Officer
NMLS ID: #1299582
Phone number: 317.258.2047
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Disclaimer: Eligibility subject to program stipulations, qualifying factors, applicable income and debt-to-income (DTI) restrictions, and property limits. Pyatt Builders and Finecraft Builders are not affiliated with any noted mortgage companies or any government agencies. This information is not from HUD or FHA and were not approved by HUD or a government agency. This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Other limitations may apply. EQUAL HOUSING OPPORTUNITY