Chloe Baugher Mortgage Loan Originator - NMLS# 2306438

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United States
Columbus, IN
Chloe Baugher Mortgage Loan Originator - NMLS# 2306438

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Chloe Luse, Mortgage Loan Originator NMLS #1478546 at German American Bank. Member FDIC. Equal Hous

German American Bank specializes in customized loan packages that fit your monthly budget. Our mortgages include competitive interest rates, low closing costs, customer service excellence, and free pre-qualifications. Confidently take your next step toward buying, building or refinancing with an experienced lender on your side.

10/28/2026

Buying a home comes with a lot of questions, but you don't have to navigate the process alone. From understanding mortgage options to preparing for closing day, having the right information can make all the difference.

You can explore helpful homeownership articles in the German American Resource Center: https://germanamerican.com/resources/blog

If you're thinking about buying, building, refinancing, or simply have questions about the mortgage process, I'm here to help. Message me anytime. I'll be with you every step of the way!

Learn more or connect with me here: https://germanamerican.com/chloe-baugher

10/21/2026

Buying your first home is exciting, but don't forget to plan for closing costs! 🏡

From lender fees and title insurance to taxes and prepaid expenses, closing costs are an important part of the homebuying journey. Understanding these costs ahead of time can help you budget with confidence and avoid surprises at the closing table.

If you have questions about closing costs, mortgage options, or getting started on your path to homeownership, message me anytime.

I'm here to help every step of the way: https://germanamerican.com/chloe-baugher

10/14/2026

Turn-the-Key Terminology: Appraisal 🔑

Buying a home involves more than agreeing on a purchase price. One important step is having a licensed professional evaluate the property's value based on factors like its condition, features, location, and recent sales of similar homes.

This helps lenders confirm the home's value supports the amount being borrowed and can help identify if the purchase price is higher than the property's estimated market value.

Want to learn more about other homebuying terms or how this applies to your situation? Send me a message anytime. I'm always happy to help!

10/07/2026

October is the perfect time to prep your home for colder weather and stay ahead on simple maintenance tasks that protect your home’s value.

Here are a few key items to check off your list:

🎃 Winterize your garden
Remove dead plants, add compost, and apply mulch to insulate roots and protect your beds through winter.

🎃 Prepare your HVAC system for heating
Replace filters, clean vents, and schedule maintenance so your system runs efficiently and avoids mid‑season breakdowns.

🎃 Reverse ceiling fans
Switch fans to rotate clockwise on low speed to help circulate warm air throughout your home.

🎃 Check for drafts and reseal windows and doors
Seal gaps with weatherstripping or caulk to improve comfort and reduce heating costs.

🎃 Inspect your emergency generator (if applicable)
Make sure it runs smoothly and check components for wear, especially with winter storms on the way.

Staying consistent with small tasks like these helps prevent bigger issues, improves comfort, and keeps your home ready for the season ahead!

09/30/2026

Something big is happening in today’s market, and buyers are the ones benefiting ✨

Right now, 42% of homes for sale have a price cut. That gives buyers more chances to find a home that fits their budget and opens the door for stronger negotiation on closing costs, repairs, and timing.

Inventory is also growing, which means more options to compare and more opportunities to move when the deal feels right.

Even with rates still elevated, buyers have more leverage than they’ve had in a while. If you’re thinking about a move or want to understand what this means for your buying power, I’m here to help.

Read more:
https://trst.in/WR6YYu

Learn more or apply now: https://germanamerican.com/chloe-baugher

09/22/2026

Ever wonder how much control you actually have over your mortgage rate?
More than you might think. Here are three things that can make a real difference.

✨ Your credit score
Small improvements can help you qualify for a better rate and a lower monthly payment.

✨ Your loan type and term
Different loan programs and terms come with different rate possibilities. Exploring your options matters.

✨ The kind of home you buy
Many builders are offering rate buydowns that can lower your payment compared to existing homes.

Even with rates moving, you still have control over key parts of your homebuying journey. If you are thinking about a move or want to understand your options, I am here to help you navigate what matters most.

Apply now or reach out anytime with questions: https://germanamerican.com/chloe-baugher

09/18/2026

Understanding what is happening in today’s housing market can help you make smarter homebuying decisions. 🏡

Inventory growth has slowed, but it has not stopped. Higher mortgage rates are actually helping more homes come onto the market. Listings have been rising for thirty three straight months, and experts expect inventory to reach historically normal levels by the end of the year.

More homes for sale means more choices, more negotiating room, and less pressure to rush your search.

Read more: https://trst.in/qHrMTT

If you are ready to apply now or want to learn more about your options, message me anytime: https://germanamerican.com/chloe-baugher

09/14/2026

Today kicks off our Customer Appreciation Week of Smiles!

Stop by any German American Bank office this week to grab your Smiley Eye Guy and enter for a chance to win a 36" Blackstone Griddle with an accessory kit and cover.

Check our Week of Smiles page to see if an office near you is hosting a cookout this Friday: https://germanamerican.com/customer-appreciation

We can’t wait to celebrate our customers all week long. Stay tuned for all the smiley fun 😀

09/07/2026

Wishing you a wonderful Labor Day!

All German American offices are closed today, September 7, in observance of the holiday. Thank you to the individuals whose hard work strengthens our communities and local businesses every day.

You can still manage your accounts anytime through our mobile and online banking tools: https://germanamerican.com/

09/02/2026

Buying your first home is a big milestone, and a little preparation can make the process feel much smoother. Here are five quick tips to help you get started:

🧠 Improve your credit score — Review your credit report, keep balances low, and pay bills on time.

📄 Get pre qualified — Understand what you can afford and show sellers you are a serious buyer.

🏡 Research homes and neighborhoods — Compare home types, costs, taxes, and local amenities.

🤝 Work with trusted professionals — Partner with a lender and real estate agent who can guide you through each step.

💡 Ask about first time buyer programs — Explore FHA, VA, USDA, and local programs that may offer low or no down payment options.

If you are ready to take the next step or want to learn more about your options, message me anytime to get started: https://germanamerican.com/chloe-baugher

Address

240 Jackson Street
Columbus, IN
47201

Telephone

+18123722265

Website

http://germanamerican.com/cluse

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