Your Professional Hometown Mortgage Lender | We make the process easy!

  • Thank you for choosing Integrity Mortgage Group
  • Step 1 – Get Prequalified
  • Step 2 – Find a Home
  • Step 3 – Processing & Closing

Wolfe Financial, Inc, dba Integrity Mortgage Group is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status or age.  Not all credit applicants will qualify, terms and conditions specific to the loan program being applied for will apply.
Integrity Mortgage Group NMLS # 69371/Dwayne Thompson 201440/Josh Spiegel 1750676



Please choose the loan officer you’re working with and feel free to apply online, download our app, or pull your own credit!

Branch Manager

(O) 317.588.3810

(C) 317.437.6070

Mortgage Loan Originator

(O) 317.588.3810

(C) 317.513.3306



We know that each customer has unique circumstances and specific needs, so we strive to tailor our services to each individual client with a wide array of mortgage products, while also providing quality customer service, communication and individual attention.

Integrity Mortgage Group also uses state-of-the-art technology including the ability to apply directly online or on our mobile app, pull your own credit report, and also receive e-mailed Loan Milestone Updates throughout the loan process letting you know the current status and what to expect next.

As a customer, you want to work with a knowledgeable, friendly and responsive loan officer.  As a company, we want to ensure your mortgage process is as simple and stress-free as we can make it, in an effort to leave a lasting positive impression and secure a customer for life.

Thank you for choosing Integrity Mortgage Group!

Branch Manager

Born and raised in central Indiana, Dwayne now resides in Fishers with his wife and daughter.  He is an honorably discharged U.S. Navy Veteran (1991-1995), holds a Bachelor’s Degree from Indiana University-Indianapolis (2002), and a M.B.A. from Indiana Wesleyan University (2011).

Dwayne has originated residential mortgage loans in Indiana since 1998, and has over 2000 satisfied clients.

Recognized among his peers as one of the top mortgage loan originators in the Indianapolis area, Dwayne has been awarded the Five Star Mortgage Professional award 8 consecutive years, which is presented to less than the top 2% of mortgage loan originators in the state of Indiana.

Dwayne adheres to the theory that his success, or lack thereof, is dependent on his ability to build long-term relationships with his clients and referral sources.  With 100% of his business being referral-based, he strives to deliver excellent customer service and attention to detail on every transaction to further cultivate his relationships and continue earning your trusted referrals.

In today’s fast paced mortgage environment, with seemingly never-ending government regulation and program guideline changes, Dwayne has the experience, expertise and knowledge to ensure you will have a smooth and successful mortgage experience.

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Mortgage Loan Originator

Josh represents integrity, energy and hard work in every detail of your lending transaction.

Josh is born and raised in central Indiana where he resides in Hendricks County with his wife and 3 (soon to be 4) children.

He started his sales habit at the age of 16, selling services of repairing computers.

Since then, Josh has grown a successful IT company with more than 500 satisfied customers, most of which have encouraged him to pursue his career as a mortgage loan officer.

Since beginning his career as mortgage loan originator in 2018, Josh has already helped numerous individuals financially make their home ownership dreams come true.

Working under one of the top mortgage loan originators in Indianapolis, Josh has the expertise and knowledge behind him to make sure every client is happy with their experience with both he and and Integrity Mortgage Group.

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Conventional Mortgages

A conventional mortgage is a loan that is not guaranteed or insured by any government agency. Conventional mortgages may be fixed-rate or adjustable-rate mortgages.
Most people choose a 30-year fixed rate loan, but loans are also available in 20, 15 and 10 year terms. Conventional mortgages typically require that a buyer have at least a 5 percent down payment. However, if a borrower can put 20% down they can usually get slightly better loan terms and can also avoid paying for private mortgage insurance (PMI). In addition, some programs allow qualified buyers to come up with as little as 3% down. Conventional mortgages have a maximum loan amount in 2019 of $484,350 for most of the state of Indiana.

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Federal Housing Administration (FHA) Mortgage Loans

FHA mortgages are administered by the U.S. Department of Housing and Urban Development (HUD).
They are government-insured loans that offer very low down payments, which may be gifted from relatives or employers. Rates are often lower, and qualifying is easier because credit is not as large a factor. Refinancing is easier, and there are other products and services available. FHA Loans have a cap on how much can be borrowed with a maximum loan amount in 2019 of $343,850 in our area. FHA mortgages are not restricted to first-time borrowers and come in 30 and 15 year loan terms, as well as the FHA 203k rehabilitation program.

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U.S. Department of Veterans Affairs (VA) Mortgages

VA mortgages are government-guaranteed loans available to veterans of the armed services, those currently on active duty or in the reserves, and widows or widowers of veterans.
Similar to FHA loans, VA loans have certain guidelines that allow more people to qualify. In addition, some VA loans require no or little down payment. There are limits on the size of VA loans – $484,350 in our area as of 2019 – but they are usually large enough to cover the purchase of moderately priced homes. VA-guaranteed home loans are made by private lenders like Integrity Mortgage Group. The “guaranty” means that the VA will protect the lender against loss if the veteran or a later owner fails to repay the loan. You must have suitable credit, sufficient income, and a valid Certificate of Eligibility to be eligible for a VA-guaranteed home loan.

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USDA Single Family Housing Guaranteed Loans

USDA guaranteed loans offer affordable financing to rural home buyers, and help many low to moderate income home buyers in rural areas achieve their dream of home ownership.
To qualify for a USDA Mortgage, applicants must purchase a home within the eligible rural areas and have a household income that does not exceed the established limits where the home is located. USDA backed loans offer 100% financing and no down payment is required, however, the loan amount may not exceed 100% of the appraised value. USDA loans are not limited to first time home buyers.

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Home Refinancing

The amount you pay on your mortgage each month is directly related to the interest rate. In short, lower rates usually mean lower payments.
You may be able to get a lower rate because of changes in the market conditions or because your credit score has improved. A lower interest rate may also allow you to build equity in your home faster. Refinancing involves paying off your existing mortgage and creating a new one. You can also combine a primary mortgage and a second mortgage into a single new loan, or tap into your equity for home improvements, debt consolidation, college tuition, or many other reasons.

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Rehab / Renovation

A renovation loan gives you the opportunity to buy or refinance a home in need of repairs or updates and roll those costs into one simple home loan.
The repairs and improvements can be as simple as fixing your roof or replacing carpet, to remodeling your kitchen or adding a master suite. The choices are up to you! Your loan and the value of the property will be based upon the condition and value after your repairs are completed, allowing you the potential to gain instant equity in your home!

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Purchase price
Please enter here the amount you expect to pay for a home.
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Down payment
Down payment is cash that you pay upfront for your home.
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Term in years
Number of years you have to pay.
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Interest rate (per year)
The percentage of interest that you will pay on your mortgage for a specific term.
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Property tax
Enter your property tax here if you know it.
per year
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Home insurance
Most lenders require home insurance. Enter its price here.
per year
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PMI is Private Mortgage Insurance which is usually required to pay if your Down payment less than 20%.
per month
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Your total monthly payment


Principal & Interest
Home insurance
Property taxes


Additional Principal Payment
A way to reduce the remaining balance on the loan by paying more than the scheduled principal amount due.

Adjustable-Rate Mortgage (ARM)
A mortgage with an interest rate that changes during the life of the loan according to movements in an index rate. Sometimes called AMLs (adjustable mortgage loans) or VRMs (variable-rate mortgages).

The gradual repayment of a mortgage loan, both principle and interest, by installments.

Amortization Term
The length of time required to amortize the mortgage loan expressed as a number of months. For example, 360 months is the amortization term for a 30-year fixed-rate mortgage.

Annual Percentage Rate (APR)
The cost of credit, expressed as a yearly rate including interest, mortgage insurance, and loan origination fees. This allows the buyer to compare loans, however APR should not be confused with the actual note rate.

A written analysis prepared by a qualified appraiser and estimating the value of a property.

Appraised Value
An opinion of a property’s fair market value, based on an appraiser’s knowledge, experience, and analysis of the property.

Anything owned of monetary value including real property, personal property, and enforceable claims against others (including bank accounts, stocks, mutual funds, etc.).

The transfer of a mortgage from one person to another.

An assumable mortgage can be transferred from the seller to the new buyer. Generally requires a credit review of the new borrower and lenders may charge a fee for the assumption. If a mortgage contains a due-on-sale clause, it may not be assumed by a new buyer.

Balloon Mortgage
A mortgage with level monthly payments that amortizes over a stated term but also requires that a lump sum payment be paid at the end of an earlier specified term.

Balloon Payment
The final lump sum paid at the maturity date of a balloon mortgage.

Biweekly Payment Mortgage
A plan to reduce the debt every two weeks (instead of the standard monthly payment schedule). The 26 (or possibly 27) biweekly payments are each equal to one-half of the monthly payment required if the loan were a standard 30-year fixed-rate mortgage.
The result for the borrower is a substantial savings in interest.

Bridge Loan
A second trust that is collateralized by the borrower’s present home allowing the proceeds to be used to close on a new house before the present home is sold. Also known as “swing loan.”

When the seller, builder or buyer pays an amount of money up front to the lender to reduce monthly payments during the first few years of a mortgage. Buydowns can occur in both fixed and adjustable rate mortgages.

Certificate of Eligibility
A document issued by the federal government certifying a veteran’s eligibility for a Department of Veterans Affairs (VA) mortgage.

A meeting held to finalize the sale of a property. The buyer signs the mortgage documents and pays closing costs. Also called “settlement.”

Closing Costs
These are expenses – over and above the price of the property- that are incurred by buyers and sellers when transferring ownership of a property. Closing costs normally include an origination fee, property taxes, charges for title insurance and escrow costs, appraisal fees, etc. Closing costs will vary according to the area country and the lenders used.

Consumer Reporting Agency (or Bureau)
An organization that handles the preparation of reports used by lenders to determine a potential borrower’s credit history. The agency gets data for these reports from a credit repository and from other sources.

Credit Report
A report detailing an individual’s credit history that is prepared by a credit bureau and used by a lender to determine a loan applicant’s creditworthiness.

Deed of Trust
The document used in some states instead of a mortgage. Title is conveyed to a trustee.

Failure to make mortgage payments on a timely basis or to comply with other requirements of a mortgage.

Failure to make mortgage payments on time.

Earnest Money Deposit
This is a sum of money given to bind the sale of real estate, or a sum of money given to ensure payment or an advance of funds in the processing of a loan.

Down Payment
Part of the purchase price of a property that is paid in cash and not financed with a mortgage.

Effective Gross Income
A borrowers normal annual income, including overtime that is regular or guaranteed. Salary is usually the principal source, but other income may qualify if it is significant and stable.

The amount of financial interest in a property. Equity is the difference between the fair market value of the property and the amount still owed on the mortgage.

An item of value, money, or documents deposited with a third party to be delivered upon the fulfillment of a condition. For example, the deposit of funds or documents into an escrow account to be disbursed upon the closing of a sale of real estate.

Escrow Disbursements
The use of escrow funds to pay real estate taxes, hazard insurance, mortgage insurance, and other property expenses as they become due.

Escrow Payment
The part of a mortgagor’s monthly payment that is held by the servicer to pay for taxes, hazard insurance, mortgage insurance, lease payments, and other items as they become due.

Fannie Mae

A congressionally chartered, shareholder-owned company that is the nation’s largest supplier of home mortgage funds.

FHA Mortgage
A mortgage that is insured by the Federal Housing Administration (FHA). Also known as a government mortgage.

FICO Score
FICO® scores are the most widely used credit score in U.S. mortgage loan underwriting. This 3-digit number, ranging from 300 to 850, is calculated by a mathematical equation that evaluates many types of information that are on your credit report. Higher FICO® scores represent lower credit risks, which typically equate to better loan terms.

First Mortgage
The primary lien against a property.

Fixed-Rate Mortgage (FRM)
A mortgage interest that are fixed throughout the entire term of the loan.

A government-owned corporation that assumed responsibility for the special assistance loan program formerly administered by Fannie Mae. Popularly known as Ginnie Mae.

Housing Expense Ratio
The percentage of gross monthly income budgeted to pay housing expenses.

Hybrid ARM (3/1 ARM, 5/1 ARM, 7/1 ARM)
A combination fixed rate and adjustable rate loan – also called 3/1,5/1,7/1 – can offer the best of both worlds: lower interest rates (like ARMs) and a fixed payment for a longer period of time than most adjustable rate loans. For example, a “5/1 loan” has a fixed monthly payment and interest for the first five years and then turns into a traditional adjustable rate loan, based on then-current rates for the remaining 25 years.

The index is the measure of interest rate changes a lender uses to decide the amount an interest rate on an ARM will change over time.The index is generally a published number or percentage, such as the average interest rate or yield on Treasury bills. Some index rates tend to be higher than others and some more volatile.

Initial Interest Rate
This refers to the original interest rate of the mortgage at the time of closing. This rate changes for an adjustable-rate mortgage (ARM). It’s also known as “start rate” or “teaser.”

Insured Mortgage
A mortgage that is protected by the Federal Housing Administration (FHA) or by private mortgage insurance (PMI).

The fee charged for borrowing money.

A person’s financial obligations. Liabilities include long-term and short-term debt.

Line of Credit
An agreement by a commercial bank or other financial institution to extend credit up to a certain amount for a certain time.

A sum of borrowed money (principal) that is generally repaid with interest.

Loan-to-Value (LTV) Percentage
The relationship between the principal balance of the mortgage and the appraised value (or sales price if it is lower) of the property. For example, a $100,000 home with an $80,000 mortgage has an LTV of 80 percent.

Lock-In Period
The guarantee of an interest rate for a specified period of time by a lender, including loan term and points, if any, to be paid at closing. Short term locks (under 21 days), are usually available after lender loan approval only. However, many lenders may permit a borrower to lock a loan for 30 days or more prior to submission of the loan application.

The date on which the principal balance of a loan becomes due and payable.

Monthly Fixed Installment
That portion of the total monthly payment that is applied toward principal and interest. When a mortgage negatively amortizes, the monthly fixed installment does not include any amount for principal reduction and doesn’t cover all of the interest. The loan balance therefore increases instead of decreasing.

A legal document that pledges a property to the lender as security for payment of a debt.

Mortgage Banker
A company that originates mortgages exclusively for resale in the secondary mortgage market.

Mortgage Broker
An individual or company that brings borrowers and lenders together for the purpose of loan origination.

Mortgage Insurance
A contract that insures the lender against loss caused by a mortgagor’s default on a government mortgage or conventional mortgage. Mortgage insurance can be issued by a private company or by a government agency.

Mortgage Insurance Premium (MIP)
The amount paid by a mortgagor for mortgage insurance.

Mortgage Life Insurance
A type of term life insurance In the event that the borrower dies while the policy is in force, the debt is automatically paid by insurance proceeds.

The borrower in a mortgage agreement.Negative Amortization
Amortization means that monthly payments are large enough to pay the interest and reduce the principal on your mortgage. Negative amortization occurs when the monthly payments do not cover all of the interest cost. The interest cost that isn’t covered is added to the unpaid principal balance. This means that even after making many payments, you could owe more than you did at the beginning of the loan. Negative amortization can occur when an ARM has a payment cap that results in monthly payments not high enough to cover the interest due.

A legal document that obligates a borrower to repay a mortgage loan at a stated interest rate during a specified period of time.

Origination Fee
A fee paid to a lender for processing a loan application. The origination fee is stated in the form of points. One point is 1 percent of the mortgage amount.

PITI Reserves
A cash amount that a borrower must have on hand after making a down payment and paying all closing costs for the purchase of a home. The principal, interest, taxes, and insurance (PITI) reserves must equal the amount that the borrower would have to pay for PITI for a predefined number of months (usually three).

A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $165,000 one point means $1,650 to the lender.Points usually are collected at closing and may be paid by the borrower or the home seller, or may be split between them.

Prepayment Penalty
A fee that may be charged to a borrower who pays off a loan before it is due.

The process of determining how much money you will be eligible to borrow before you apply for a loan.

Prime Rate
The interest rate that banks charge to their preferred customers. Changes in the prime rate influence changes in other rates, including mortgage interest rates.<

The amount borrowed or remaining unpaid. The part of the monthly payment that reduces the remaining balance of a mortgage.

Principal Balance
The outstanding balance of principal on a mortgage not including interest or any other charges.

Principal, Interest, Taxes, and Insurance (PITI)
The four components of a monthly mortgage payment. Principal refers to the part of the monthly payment that reduces the remaining balance of the mortgage. Interest is the fee charged for borrowing money. Taxes and insurance refer to the monthly cost of property taxes and homeowners insurance, whether these amounts that are paid into an escrow account each month or not.

Private Mortgage Insurance (PMI)
Mortgage insurance provided by a private mortgage insurance company to protect lenders against loss if a borrower defaults. Most lenders generally require MI for a loan with a loan-to-value (LTV) percentage in excess of 80 percent.

Qualifying Ratios
Calculations used to determine if a borrower can qualify for a mortgage. They consist of two separate calculations: a housing expense as a percent of income ratio and total debt obligations as a percent of income ratio.

Rate Lock
A commitment issued by a lender to a borrower or other mortgage originator guaranteeing a specified interest rate and lender costs for a specified period of time.

Real Estate Agent
A person licensed to negotiate and transact the sale of real estate on behalf of the property owner.

Real Estate Settlement Procedures Act (RESPA)
A consumer protection law that requires lenders to give borrowers advance notice of closing costs.

Real Estate Agent®
A real estate broker or an associate who is an active member in a local real estate board that is affiliated with the National Association of Real Estate Agents.

The noting in the registrar’s office of the details of a properly executed legal document, such as a deed, a mortgage note, a satisfaction of mortgage, or an extension of mortgage, thereby making it a part of the public record.

Paying off one loan with the proceeds from a new loan using the same property as security.

Revolving Liability
A credit arrangement, such as a credit card, that allows a customer to borrow against a pre-approved line of credit when purchasing goods and services.
Secondary Mortgage Market
Where existing mortgages are bought and sold.

The property that will be pledged as collateral for a loan.

An organization that collects principle and interest payments from borrowers and manages borrowers’ escrow accounts. The servicer often services mortgages that have been purchased by an investor in the secondary mortgage market.

Total Expense Ratio
Total obligations as a percentage of gross monthly income including monthly housing expenses plus other monthly debts.

A federal law that requires lenders to fully disclose, in writing, the terms and conditions of a mortgage, including the annual percentage rate (APR) and other charges.

The process of evaluating a loan application to determine the risk involved for the lender. Underwriting involves an analysis of the borrower’s creditworthiness and the quality of the property itself.

VA Mortgage
A mortgage that is guaranteed by the Department of Veterans Affairs (VA). Also known as a government mortgage.



How do I qualify for a mortgage?

After reviewing your application information, an underwriter examines your credit history, the value of the property and your debt-to-income ratio. These are the primary factors which describe the risk a mortgage lender is willing to take. This perceived level of risk determines your loan decision and can have an effect on your interest rate and other elements of the loan.

What amount can I qualify for?

If approved, the amount you are approved for is based on your debt-to-income ratio, the amount of equity you would have in your home, your personal history and your credit rating.

To calculate your debt-to-income ratio, write down all of your monthly debts and divide that amount by your monthly gross income. The underwriter will take a look at the results and determine what you can afford to pay per month.

What are the differences between a home equity loan and a home equity line of credit?

Both products use your home as collateral, but have different payback terms.

The home equity line of credit is accessible for a long–term draw period, usually by check or online banking. Once you pay down your balance, you then have more money available to spend again if necessary. A line of credit has a variable interest rate, and has a payment that can change every month. This is because the balance changes (increases if you spend more; decreases if you pay down what you owe) or the interest rate changes because of the Prime Rate changing.

A home equity loan disburses all funds at once when the loan term starts and you cannot access any further funds without refinancing. A home equity loan has a fixed rate, and payments that don’t change

Can I finance my rental property?

While this is allowed, the interest rate on rental properties may be higher since there’s more risk for the bank when lending on a property that’s not the customer’s primary residence.

What are points?

Points are fees that a borrower pays to lower the interest rate. One point equals one percent of the final loan amount.

Should I pay my fees out of pocket?

If you are refinancing, you can either pay fees in advance or add them to your closing costs. There are some loan types that allow fees to be included in your loan amount. Contact us for more details.

What is included in my monthly payments?

Portions of your monthly mortgage payment go toward loan principal and interest. Interest-only mortgage payments include only the interest that is due on the outstanding principal balance. If your mortgage carries mortgage insurance, a portion of your payment will pay this, unless the lender has paid your mortgage insurance for you or you have paid your mortgage insurance up front. If you have set up an escrow account, a portion will also go toward taxes and homeowners insurance and association fees if applicable.

How much of a down payment do I need?

Down payments usually amount to 3-20% of the sales price of the home. Zero down loans are also available, but on a very limited basis. The bigger the down payment the better off you will be. If you have a small down payment, you will qualify for fewer types of mortgages and may also be charged a higher interest rate. Remember that the more you are able to put down, the more banks will be willing to loan.

What are the advantages of using home equity?

The equity in your home can be used to improve your property, consolidate high-interest debt, finance important life events, or even cover unexpected emergencies. The interest you pay can be tax deductible. Consult a tax professional for more information.

What will my mortgage rate be?

Mortgage rates are based on a variety of factors. including the reason for the loan, your credit history and ability to repay, the value of the collateral, and the loan amount. All of these factors play a role in your final rate determination.

Do I need perfect credit to qualify for a mortgage?

If your credit score is high, you may receive better rates and have more options available, but this doesn’t mean you can’t get a mortgage if you have a few spots on your credit record. Credit is only one factor in the overall underwriting process; however, your credit history does need to demonstrate the willingness and ability to repay loans on time.

What is an interest-only loan?

Interest-Only loans allow you flexibility on monthly payments when your cash flow does not permit a full loan payment. The minimum loan payment covers the interest portion of the loan only, so your principal only decreases if you pay above and beyond the interest. You have the flexibility to decide how much principal you pay each month, so you can pay little or none if times are tight, or a lot if you have extra that month.

Why should I refinance?

When interest rates are low, many people choose to refinance their home loan. Here are some reasons:

  • To lower monthly payments
  • To lower their current interest rate
  • To switch from an adjustable to a fixed rate
  • To refinance for a higher amount in order to pay off other debts or get cash

Whatever your needs, IMG Greensboro can help you decide what would fit best in your particular situation.

What's the difference between interest rates and APR?

The interest rate is the actual cost to borrow the money in the loan. The APR is the total cost of the loan over its life, including all costs, points and fees.

What are closing costs?

Closing costs include appraisal fees, attorney fees, pre-paid interest, documentation fees and others. The actual costs are different for each customer due to many differences in the types of mortgage, the location and several other factors. You will receive a good faith estimate, also referred to as a GFE, of your closing costs in advance of your closing date.

What is PMI?

Private Mortgage Insurance (PMI) protects lenders against losses when a borrower defaults (stops paying) on a mortgage. PMI is usually required on mortgages when the borrower has less than a 20% down payment. Likewise, it is required on first mortgage refinancing when the borrower has less than 20% equity in the property being refinanced. PMI fees are typically added to your monthly mortgage payment.

How do I figure out how much equity I have?

To determine the amount of home equity you have, write down your home’s current value (tax values are not always accurate) and subtract all amounts that are owed on the property. The difference is the amount of “equity” your home has.





12242 E. 116th Street, Suite 200, Fishers, IN 46037