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Looking to Buy a New Home

We are Ready to Help You buy a New Home!

At Handley Mortgage Solutions, we understand that purchasing a new home is more than just a financial transaction; it's a HUGE milestone in your life and emotional! That's why we're committed to providing personalized and informative mortgage solutions tailored to your unique circumstances. 


  • Tried of renting? We can help!
  • Looking to move out of your parent's house? We can help!
  • Cannot stand living with a roommate? We can help!
  • Downsizing since you have found yourself as an empty nester? We can help!
  • Transitioning to remote work and need a larger home office space? We can help!
  • Expanding your family and in need of more bedrooms and S-P-A-C-E? We can help!
  • Looking to have multiple generations living under one room? We can help!
  • Tired of fighting with your HOA? We can help!
  • Looking to buy a second home/vacation home. 


Whatever your motivation may be, our team of experienced mortgage professionals is dedicated to helping you find the perfect financing option to turn your homeownership dreams into reality. Check out the list of potential loan options that might be the best for you!


With Handley Mortgage Solutions, you can expect transparent communication, competitive rates, and unparalleled support throughout the entire home buying process. From exploring loan options to securing financing approval, we're committed to making your journey to homeownership as smooth and stress-free as possible.


Take the first step towards your new beginning today with Handley Mortgage Solutions. Let's embark on this exciting adventure together and make your dream home a reality!


Click here to start the pre-approval process!


You can also use the mortgage calculator provided by Rocket Mortgage to see what a mortgage payment might be. 

Click here to search for homes.

Want to search for homes? Click the image above.

Possible Loan Products

First Time Homebuyer

Have you been living with your parents and you are ready to move out? Been stuck in an apartment and ready to have something to call your own? Tired of filling your landlord's pockets each month and ready to build equity in a place of your own?

CONVENTIONAL Loan

  • Credit score - 620 
  • As little as 3% down 
  • Private Mortgage Insurance is removed 
  • Seller Concessions* 
  • Possible Down Payment Assistance Program

FHA Loan

  •  Credit score - 580
  • As little as 3.5% down 
  • Private Mortgage Insurance-life of loan 
  • 6% seller concessions 
  • Possible Down Payment Assistance Program

USDA (Rural Development) Loan

  • Credit score - 620 
  • 0% down 
  • Home must be in USDA eligible area 
  • USDA income requirements  
  • 6% seller concessions

VA Loan

  • Credit score - 580 
  • 0% down 
  • Must fit VA requirements  
  • 4% seller concessions

MISCELLANOUS INFORMATION

  • Gifts from family members
  • Borrow from 401(k) for down payment
  • Seller Concessions can help to pay down the interest rate, pay closing costs, pre-pay items (insurance and taxes)
  • * Conventional Loan - Seller Concessions - 3% when putting 0% to 9.99% down on the home, 6% when putting 10% to 20% down on the home or 9% when putting 20% or more down on the home 


Buying a Larger/Smaller Home or Just a "New Home"

It was just you, then you added a significant other, and now a new "alarm clock" ... you need space! The children are getting sooo big and they need space to play, learn, and explore. Your new puppy needs a huge yard! Working from home is great, but you could use an office. You've raised your children and now are ready for something a bit smaller. A large home was always your dream, but now it's a nightmare ... so much cleaning and maintenance. Looking to have a smaller home in both Indiana/Ken

CONVENTIONAL Loan

  • Credit score - 620 
  • As little as 3% down 
  • Private Mortgage Insurance is removed 
  • Seller Concessions* 
  • Possible Down Payment Assistance Program

FHA Loan

  •  Credit score - 580
  • As little as 3.5% down 
  • Private Mortgage Insurance-life of loan 
  • 6% seller concessions 
  • Possible Down Payment Assistance Program

USDA (Rural Development) Loan

  • Credit score - 620 
  • 0% down 
  • Home must be in USDA eligible area 
  • USDA income requirements  
  • 6% seller concessions

VA Loan

  • Credit score - 580 
  • 0% down 
  • Must fit VA requirements  
  • 4% seller concessions

MISCELLANOUS INFORMATION

  • Use money from the sale of current home to help purchase new one
  • Gifts from family members
  • Borrow from 401(k) for down payment
  • Seller Concessions can help to pay down the interest rate, pay closing costs, pre-pay items (insurance and taxes)
  • * Conventional Loan - Seller Concessions - 3% when putting 0% to 9.99% down on the home, 6% when putting 10% to 20% down on the home or 9% when putting 20% or more down on the home 


Buying a Second/Vacation Home

Constantly renting homes on VRBO is costing a fortune. You are ready to take the plunge and buy a vacation home?

CONVENTIONAL Loan

  • Credit score - 620 
  • As little as 3% down 
  • Private Mortgage Insurance is removed 
  • Seller Concessions* 
  • Possible Down Payment Assistance Program

FHA Loan

  • NOT AN OPTION

USDA (Rural Development) Loan

  • NOT AN OPTION

VA Loan

  • Credit score - 580 
  • 0% down 
  • Must fit VA requirements  
  • 4% seller concessions

MISCELLANOUS INFORMATION

  • Must be 50 miles away from current home - unless it is on a lake/tourist spot
  • Gifts from family members
  • Use a home equity line of credit (HELOC) to help fund
  • Borrow from 401(k) for down payment
  • Seller Concessions can help to pay down the interest rate, pay closing costs, pre-pay items (insurance and taxes)
  • * Conventional Loan - Seller Concessions - 3% when putting 0% to 9.99% down on the home, 6% when putting 10% to 20% down on the home or 9% when putting 20% or more down on the home 

Above is a small offering of our loan products. We have many more offering to choose from. Be sure to reach out to discuss your goals, so we can create a customized plan to homeownership for you! We are not "one size fits all" mortgage company.

Happy New Homeowners

    Copyright © 2024 Handley Mortgage Solutions - All Rights Reserved.

    Timothy Handley - NMLS #2054381 | Powered by Smith Broady & Associates - NMLS #143637

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