Your Local Mortgage Lender

Located in Indiana

Personalized Mortgage Experience

Caleb Patton offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.

With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.

Let us help you achieve your homeownership dreams!

The Home Loan Process

Mortgage Pre-Approval

Get pre-approved from one of our Loan Officers to see how much you can afford.

House Shopping

Work with a trusted Real Estate Agent to find a home you would like to move into.

Loan Application

Complete your home loan application to get the lending process started.

Don't take my word for it

Mortgage Programs

Experience the best mortgage experience located in Indiana.

Home Loan Options

Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.

Conventional Home Loans.

FHA Home Loans.

USDA Home Loans.

VA Home Loans.

Frequently Asked Questions

How often can I refinance my mortgage?

There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.

Can I buy a home if I do not have money for a down payment?

Yes! There are a number of bond programs that offer low or no down payment financing options.

How do I know which mortgage is right for me?

The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.

How long will the loan process take?

The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.

Will I qualify for a home loan?

The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.

Why do people refinance their mortgages?

Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.

How much money will I have to pay upfront to buy a home?

This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.

Can I get a mortgage after bankruptcy?

You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.

Should I lock my interest rate now, or wait until we are closer to our closing?

Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.

Most Recent Blog Updates

Why February Can Be a Smart Month to Buy a Home: Less Competition, More Negotiating Power

Why February Can Be a Smart Month to Buy a Home: Less Competition, More Negotiating Power

February 15, 20263 min read

Why February Feels Different in Real Estate

Most people assume the best time to buy is spring or summer. More listings hit the market, the weather is better, and moving feels easier.

But there’s a trade off: more buyers show up too.

February is typically a quieter period for housing activity, and that matters because leverage often shifts toward the party with more options. When fewer buyers are actively making offers, prepared buyers can sometimes negotiate more confidently. NAR’s own seasonality commentary shows winter months tend to post the lowest activity levels, including January and February.

What the Data Says About Winter Demand

Even in a tough market, buyer activity can slow in winter. For example, existing home sales fell sharply in January 2026, and homes were taking longer to sell compared with the year prior.

That slower pace is part of why winter can feel like a “soft market” window in many areas: fewer showings, fewer rushed decisions, and more time to negotiate.

Redfin also notes that the winter market is often quieter, with fewer active buyers and less pressure to jump into bidding wars, which can create more room to negotiate on price or terms.

Where February Buyers Can Gain the Most Leverage

Here are the biggest areas where February buyers can sometimes win, especially when they are fully pre approved and ready to move.

1) Price flexibility
When buyer traffic is lighter, sellers may be more willing to consider a realistic offer instead of waiting for the perfect one.

2) Closing cost credits and concessions
In a slower season, it can be easier to ask for help with closing costs, repairs, or other concessions because the seller may prefer certainty over holding out.

3) Inspection and repair requests
In peak season, some buyers feel pressured to waive protections. In quieter months, buyers may have more breathing room to keep reasonable inspection terms.

4) Cleaner timelines
With fewer offers flying around, it can be easier to negotiate a closing date that fits your schedule and avoid the chaos that sometimes comes with spring competition.

The Trade Off: You May Have Fewer Homes to Choose From

Winter usually comes with lower inventory. NAR’s January 2026 report highlighted inventory levels and the ongoing supply constraints many buyers still face.

So February is not automatically “better” for everyone. It is better for buyers who prioritize leverage and terms, and who are willing to watch the market closely for the right fit.

A Simple February Game Plan (So You Actually Benefit)

If you want to use February to your advantage, focus on preparation and speed.

  • Get fully pre approved, not just pre qualified.

  • Set your monthly comfort zone first, then shop.

  • Track new listings daily and tour quickly.

  • Write offers with smart terms, not just a high number.

  • Ask for concessions strategically based on the home and the seller’s situation.

Bottom Line

Spring brings more options, but it also brings more competition. February can be a strong month for buyers who want less noise, more negotiating room, and a calmer process.

If you want to buy this year, the quiet months are often where prepared buyers can make surprisingly smart moves.

Sources (general sites):

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$/year
$1,685.20
Your estimated monthly payment with PMI.
PMI:
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Monthly Tax Paid:
$200.00
Monthly Home Insurance:
$83.33
PMI End Date:
Dec 2027
Total PMI Payments:
27
Monthly Payment after PMI:
$1,476.87
🏠Mortgage Details
Loan Amount:
$250,000.00
Down Payment:
$50,000.00 (16.67%)
Total Interest Paid:
$179,673.77
Total PMI to :
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Total Tax Paid:
$72,000.00
Total Home Insurance:
$30,000.00
Total of 360 Payments:
$537,298.77
Loan pay-off date:
Sep 2055
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Aug 2051
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Total Interest Savings: $28,191.64
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220 NW 3rd St suite 101 Evansville, IN 47708

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