FHA Loans

Big home plans don’t always need a big down payment.

Apply Now Explore Rates

FHA Loans

Big home plans don’t always need a big down payment.

Apply Now Explore Rates
Buy a home 

without needing a large down payment.

More flexible qualifications 

can make homeownership more accessible.

FHA Loans

Big home plans don’t always need a big down payment.

Apply Now Explore Rates

Your first home doesn’t have to start with perfect everything.

Maybe you’re still building your credit. Maybe you haven’t had years to save for a big down payment. An FHA Loan gives you another path to homeownership with more flexible qualifications and a lower down payment.

An FHA Home Loan can help you:

  • Put less money down upfront
  • Qualify with more flexible credit requirements
  • Finance your home with a loan backed by the Federal Housing Administration
  • Choose from a variety of fixed terms

You don’t need to have every financial piece perfectly in place before you start thinking about a place of your own. An FHA Loan can help put the front door a little closer.

Could an FHA Loan be the right fit? Good question! 

An FHA Loan may be worth exploring if:

  • You have a smaller down payment
  • Your credit history makes conventional financing harder
  • You have steady income and manageable debt
  • You plan to make the home your primary residence

Not sure? Our Mortgage experts can help you understand your options and see what works.

Meet your dedicated contact.

Ben Grieshop

Mortgage Loan Officer

NMLS: 1767012

Ben is a Mortgage Loan Originator at Financial Center, focused on making homeownership easier and more accessible for members. With a people-first approach, Ben simplifies the mortgage process, providing clear direction and support every step of the way.

Why Financial Center?

Across Indiana, we’re helping homebuyers make the Mortgage part easier, so they can focus on everything that comes after the keys.

Real guidance
You shouldn’t need a Mortgage dictionary to buy a home. Our experts keep the process clear, so you always know what’s happening now and what's ahead.
Competitive rates
A little percentage can make a big difference. That’s why we offer competitive rates – helping to put more of your money toward the home and life you’re building.
Trusted advice
Closing day is just the start of our relationship. Count on Financial Center for everyday direction with resources in our Financial Wellness Hub and one-on-one guidance from our team of financial coaches.

Your financial playbook for real life.

Tools to support your success.

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Frequently asked questions

View All FAQs

You can apply for a Mortgage online or by working directly with one of our Mortgage Loan Originators.

To get started, you'll need:

  • Proof of Income: Last 2 years of W-2s, tax returns, 1099s (if applicable), recent pay stubs, or Social Security award letter
  • Asset Statements: Checking, savings, retirement, investment accounts, certificates, or bonds
  • Other Documents: Photo ID, Social Security card, divorce decree, gift letter (if using gift funds), bankruptcy documents, or proof of rent/lease payments

Your Mortgage Loan Originator will guide you through every step of the process and let you know exactly what's needed.

Absolutely. Getting pre-approved is your first big step toward homeownership. It helps you understand how much home you can comfortably afford, making your home search focused and efficient. A pre-approval shows sellers you’re serious and gives you an edge over buyers who aren’t pre-approved.

During the pre-approval process, we'll review your financial information and provide a conditional loan amount, helping you shop with confidence and move quickly when you find the right home.

Financial Center offers a variety of Mortgage solutions to fit your homeownership goals. Whether you're buying your first home, upgrading, refinancing, or purchasing a higher-value property, we have options designed for different needs and budgets.

Explore our options to compare Fixed-Rate, Adjustable-Rate, FHA, VA, and Jumbo products. If you're not sure which loan is right for you, our Mortgage Loan Originators are here to help you find the best fit.

Buying a home involves several important steps, including getting pre-approved, finding a home, completing your loan application, the appraisal, underwriting, and closing.

Your Mortgage Loan Originator will coach you throughout the process, explain any closing costs, answer your questions, and help ensure everything stays on track from application to closing.

You can manage your home lending products within Digital Banking, including seeing your balance and monitoring your payment progress. There are several ways to make payments, including:

  • Set up recurring payments in Digital Banking
  • Make a one-time payment or transfer funds in Digital Banking
  • Visit a Financial Center location
  • Mail a check with your account number to: Financial Center, PO Box 26501, Indianapolis, IN 46226

Need help beyond making a payment? Whether you're interested in paying off your loan early, requesting a payoff amount, or just have questions, contact us for support.

New home? You're almost there.

You've found the place, now help protect it. Explore home insurance options designed to give you confidence in what you're building. 
Home Insurance

All loans subject to credit approval. Subject to underwriting guidelines. Lender NMLS #509724. Financial Center First Credit Union membership required. Equal Housing Lender.