GREATER LAFAYETTE & INDIANA HOMEBUYERS
Compare upfront costs, monthly payments, and programs that may fit your plans.
Program requirements and other upfront costs apply. See terms.
“Cody Broshar was phenomenal he got us approved when others said they couldn’t!!”
Individual experience; mortgage approval is not guaranteed.
This is a contact request, not a mortgage application.
Explore the programs first
Loan Officer · NMLS 1096406
Over a decade of mortgage experience
Separate source ratings displayed on Experience.com ↗, checked Oct. 26, 2026. Cody’s Zillow profile ↗
PROGRAMS TO KNOW ABOUT
Compare what each option helps with, who it may fit, and what you could owe later.
Up to 4% in down payment assistance1
For qualifying first-time buyers, with certain exceptions. Available with 30-year fixed-rate FHA or conventional financing.
Assistance is a non-forgivable second mortgage. It must be repaid when the first mortgage ends or the property is no longer your primary residence. Sale or refinance can trigger repayment.
Assistance for first-time and repeat buyers
Options provide 2.5% or 3.5% assistance, based on the purchase price, not exceeding the appraised value, with qualifying FHA or conventional financing.
This is also a non-forgivable second mortgage. The full assistance amount is repayable when the first mortgage ends or the home stops being your primary residence.
A lower borrower down payment
Guild’s program pairs a qualifying buyer’s contribution with a non-repayable Guild grant. First-time and repeat buyers may be eligible.
Income, credit, primary-residence and homebuyer-education requirements apply. Grant limits and loan parameters affect the cash you need. Closing costs and prepaid expenses are separate.
Keep more savings available
USDA: For qualifying buyers and eligible properties. Income and location requirements apply.
VA: For eligible veterans, service members and surviving spouses, subject to eligibility and lender review.
Closing costs, prepaid expenses and applicable program fees still need to be considered.
1 IHCDA First Step: assistance and eligibility depend on the program option. Income, purchase-price, credit and property requirements apply. First Step may also be subject to federal recapture tax. IHCDA program information ↗
2 USDA and VA financing is subject to borrower, property and underwriting requirements. These descriptions are not an eligibility determination or a commitment to lend. Program availability and terms may change.
LOOK AT THE WHOLE PICTURE
The right comparison looks at the money you need now, the payment you’ll live with, and any assistance you may repay later.
Down payment, closing costs, prepaid expenses and escrow deposits. Also plan for costs such as inspections and earnest money before closing.
Principal and interest, property taxes, homeowners insurance, and mortgage insurance or HOA dues when applicable.
Compare assistance repayment rules and what selling, refinancing or moving out could mean for you.
REAL EXPERIENCES. SPECIFIC SITUATIONS.
“Cody was incredibly supportive and readily available as we had questions throughout shopping”
“Everything went very smoothly and they felt supported through the process.”
Selected sentences from public reviews on Cody’s Experience.com profile. Individual experiences do not guarantee eligibility, approval, terms or timing. All loans require underwriting review.
START WITH A CONVERSATION
Cody will personally follow up to discuss your homebuying plans, the options worth exploring, and the costs you want to understand.
No. Several mortgage programs allow much smaller down payments, and some eligible buyers may qualify for no-down-payment options. We'll also look at closing costs and other expenses so you understand the full picture.
Absolutely. Your credit is important, but it's not the only factor lenders consider. Different mortgage programs have different requirements, so it's worth having a conversation before assuming you won't qualify.
No. You can request a personalized homebuyer review using the short contact form. If you're ready to take the next step toward preapproval, we'll use Guild Mortgage's separate secure application and review process.
Not always. Some programs offer grants that don't require repayment, while others provide assistance through a second mortgage that may need to be repaid later. Understanding those differences is important before choosing a program.
That depends on the home, your financing, and any assistance available. In addition to your down payment, you'll want to consider closing costs, prepaid expenses, and costs that may come up before closing. I'll help you understand what to expect.
Possibly! Some programs consider you a first-time buyer if you haven't owned a primary residence in the past three years. Others are available to repeat buyers, too. It depends on the specific program and eligibility requirements.
Prefer to reach me directly?
317-989-5304 · Email Cody
Tell me where to reach you. You don’t need to have everything figured out.
After your request is received, Cody will follow up about your plans and homebuyer options. If you’re ready for preapproval, use Guild’s separate secure application and review process.
FOR BUYERS READY TO APPLY
Use Guild Mortgage’s secure application when you’re ready to provide the information needed for a mortgage review. Eligibility and approval depend on review of your information.
This opens Guild Mortgage’s separate secure application. Completing a contact request here is not an application.
Still exploring? Request an options review.Texas Residents: consumers wishing to file a complaint against a mortgage company or residential mortgage loan originator licensed in Texas should send a complete complaint form to the department of savings and mortgage lending (SML): 2601 N. Lamar Blvd., Suite 201, Austin, Texas 78705; TEL: 1-877-276-5550. Information and forms are available on SML's website: www.sml.texas.gov.
Guild Mortgage Company; Equal Housing Opportunity; AZ BK #0018883; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company #1141; OR ML-176; Rhode Island Licensed Lender; Rhode Island Licensed Third-Party Loan Servicer; Company NMLS ID 3274. www.nmlsconsumeraccess.org/.
All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5887 Copley Drive, Floors 1, 3, 4, 5, 6, San Diego, CA 92111; For more licensing information, please visit www.guildmortgage.com/licensing.
