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It’s free, secure, and takes less than 5 minutes.


Why Fancher Mortgage?



Personalized Loans


Get the right loan for your situation.


Quick Closings


Close your loan in weeks.


Great Support


Enjoy the personalized service you deserve.



About Us


We are a family owned mortgage lender out of Pendleton, Indiana. We have office space conveniently located on the Northside of Indy at 96th Street and Keystone in the Lakefront at Keystone Office Park and on the Southside of Indy on Southport Road.

At Fancher Mortgage, our goal is to make the home loan process as simple as possible. Our mission is to close on time, every time, with minimal hassle, period.




Meet Our Team

We are Ready to Help You



Kurt Fancher

Branch Manager
NMLS# 354570

317.660.8041
kfancher@fanchermtg.com

Kurt is our Branch Manager and your Mortgage Consultant. He will meet with you for your loan consultation, educate you, and select the loan program that is right for you. Kurt handles all rates and estimates. Kurt will stay in contact with your Realtor or builder during the loan process and keep them informed of progress.

Apply with Kurt


Becki Kirts

Loan Partner to Kurt Fancher
NMLS# 1069457

317.660.8051
bkirts@fanchermtg.com

As your loan manager Becki’s highest priority is to get your loan closed on time. She reviews all of your income, documents, asset documents, and your contract in order to process your file. Becki works closely with your Realtor, your insurance agent, and the title company. Becki is your primary contact from the time you get a contract until closing. She will be in touch with you every Friday with your Friday Wrap-Up to let you know the satus of your loan.



Barbie New

Loan Partner to Kurt Fancher
NMLS# 870614

317.660.8057
bnew@fanchermtg.com

Barbie will begin your loan process by helping you with your loan application. She will assist you in collecting the necessary paperwork for your personal loan consultation. Once your loan application is complete, Barbie will schedule your consultation with Kurt. She is your primary contact from the time of application until you have a contract in place. Once you have a contract, your file will move to Becki for processing.



Lita Nichols

Mortgage Consultant
NMLS# 1533868

317.379.3414
lnichols@fanchermtg.com

I started out as a mortgage loan officer because I knew it would be a great way to provide for my family. And, in doing so, I realized that I also have to provide for your family. I have to provide an incredible mortgage experience that allows you to purchase your dream home with as few bumps in the road as possible. I’m here to help.

Apply with Lita


Larry Nutt

Mortgage Consultant
NMLS# 1228056

260.571.0862
lnutt@fanchermtg.com

My career began in the banking/finance world, so when I bought my first home, I was already familiar with the mortgage industry. But, my loan officer really opened my eyes to how much satisfaction can be had by helping others reach their goals of homeownership. My ultimate goal with every borrower and every loan is to help families purchase a home that will help them grow financially.

Apply with LarryLearn More About Larry

Testimonials

See What Others are Saying About Us

I had a great experience working with Kurt and his team. They were very responsive and took their time to answer all of my questions. They were even understanding as I worked through several multiple offer deals.

Megan E. / Homebuyer / Zillow Review

Kurt was great! At our initial meeting, Kurt explained the home buying process clearly and effectively. He gave me great advice and answered all of my questions. Kurt went above and beyond what I expected in terms of responsiveness. I needed something done over Fourth of July weekend and Kurt took care of it immediately. Great service. Kurt, Becki and Barbie were all wonderful to meet and work with.

William F / Homebuyer / Zillow Review

Could not be more pleased. Kept us well informed of our progress towards closing. Best Mortgage experience we have ever had. Weekly progress reports and personal attention from his staff really were appreciated.

Michael / Homebuyer / Zillow Review

Thank you for your hard work and dedication to helping us with our new home!We enjoyed workingwith you and your team. We now have our forever home.I will gladly tell all of my friends about the service your team provides.

Jeff S. / Homebuyer / Zillow Review

Kurt, Becki, and Barbie were phenomenal! I had a short time frame to purchase a home and move in. Kurt and his team were very good at responding to emails and phone calls! I work retail so my hours vary, but they were so helpful whether I called at 7am or 10pm! You will not have an issue with Fancher Mortgage!

N Bartz / Homebuyer / Zillow Review

Click to see more testimonials



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
Learn More

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
Learn More

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
Learn More

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)
Learn More

FHA 203k Limited


I want to buy a fixer upper or improve my current home.



Loan Features:

  • A Single Loan Finances Home and Less Extensive Non-Structural Repairs
  • Mortgage Balance can be Greater than the Purchase Price
  • No Professional Consultants, Engineers, or Architects Required
Learn More

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)
Learn More

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
Learn More

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
Learn More

Mortgage Resources and Tools

What Resource are You Looking for?



How to Get a Home Loan in 3 Easy Steps

Our Process Allows us to Close Loans in Weeks


Step 1


Choose us to obtain your home loan.



Once you select us to obtain your home loan, you’ll be amazed at how quickly and simply the loan process moves. Before you know it, you’ll have a mortgage that suits your needs and goals.

Throughout the loan-application process, we provide you with regular updates, proactively, and you can also e-mail us with questions or new information.

Learn More

Step 2


Apply now, getting started is easy.



Start by completing theapplicationon our website. This is a secure and easy method to provide some basic information to allow us to start to analyze options for you.

Once complete, we will then go over your pre-approval in detail to discuss interest rates, downpayment, monthly payments, etc. and we can tweak the numbers as needed until we have a perfect fit.

We will request a small list of income and asset documents so that we can validate everything from an underwriting standpoint – we want to make absolute certainty that there will be no hiccups once you are ready to make an offer!

Once validated, we will provide you with a pre-approval letter and share the highlights of your pre-approval with your Realtor (type of program, downpayment, price range, amount of seller help to negotiate toward closing costs, if needed, etc.

Then, you’ll be 100% ready to start house hunting and be in a position to make a strong offer once the perfect home presents itself.

Learn More

Step 3


You have an accepted offer.



Once you have an accepted offer, you will be eligible to lock into your interest rate and we will prepare initial loan disclosures and create a list of any last documents we’ll need to collect.

We will then order an appraisal to make sure the value of the home supports the purchase price, and then submit your file to our underwriting department for final approval. About 99% of everything we do is electronic, so the process is very simple, secure, and can be done on your own time/schedule – no need to meet in person.

Once the underwriter has cleared your loan for closing, we will work with the Title Company (where your closing will take place) to finalize your numbers for closing. We pride ourselves by giving you assurance that the amount you need for closing will never be more than what we have estimated for you…again – no negative surprises!

At least 48 hours prior to closing, we will send you a copy of your closing documents so that you’ll have time to ready all of your documents prior to sitting at the closing table. You will then complete any banking needed for the funds, and show up at closing with a copy of your driver’s license – everything else will be ready for you. The closing will take about an hour and at the end, you will be a proud homeowner!

That’s it – simple, straightforward, and efficient!

Learn More

Back to Resources


Mortgage Checklist

Purchase Loan Refinance Loan
Loan Application
Driver’s License
Pay Stubs for the Past 30 Days
W-2’s, 1099’s and/or K-1’s for Past 2 Years
Federal Tax Returns for Past 2 Years
Bank Statements for the Past 2 Months (all numbered pages included)
Most Recent Statement for Any Other Accounts Being Used for the Down Payment (401K, IRA, Stocks, etc.)
Divorce Decree (if applicable)
Bankruptcy Documents (if applicable)
For VA Loans – DD214
Mortgage Statement
Other Documentation may be Required

Back to Resources



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