Chloe Baugher Mortgage Loan Originator - NMLS# 2306438

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

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.

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

08/27/2026

Getting pre-qualified is a great first step in the home buying process. It helps you understand your budget and shows sellers you're a serious buyer when it's time to make an offer.

German American makes the process quick and easy with our fast pre-qualification application. If you have questions along the way, I'm here to help. Let's check "get pre-qualified" off your to-do list and get you one step closer to finding your new home!

Message me to get started: https://germanamerican.com/chloe-baugher

08/20/2026

Understanding what’s behind today’s mortgage rates can help you make smarter homebuying decisions.

In simple terms, rates follow the 10‑year treasury yield, and the “spread” between the two is what keeps current rates from being much higher. The good news is that spread has been shrinking, which is helping keep rates steadier than many expected.

If you’re ready to apply now or want to learn more about your options, visit my profile:
https://germanamerican.com/chloe-baugher

Read the full article here:
https://www.keepingcurrentmatters.com/2026/08/12/heres-why-mortgage-rates-are-what-they-are-right-now/

08/18/2026

Getting your finances home ready is one of the smartest steps you can take before you start shopping.

Strong credit, steady savings, and a clear budget can make the mortgage process smoother and help you feel confident when it is time to make an offer.

If you are starting to plan for homeownership, I am here to walk you through your homebuying options and help you understand what you can comfortably afford.

Let’s get you ready for that next step!

Message me or apply now: https://germanamerican.com/chloe-baugher

08/12/2026

August is a great time to make a smooth transition into fall.

A few end‑of‑summer checks can help keep your home comfortable and running efficiently:

🔴 Clean dryer exhaust ducts to reduce fire risk and improve efficiency

🔴 Deep clean carpets and upholstery to remove allergens and extend their lifespan

🔴 Prevent mold and mildew buildup for a cleaner, more hygienic bathroom

🔴 Seal gaps around windows and doors to reduce drafts and ease strain on your AC

🔴 Wash and inspect window screens to improve airflow and keep things looking tidy

🔴 Test home security systems to ensure everything is functioning properly

Message me anytime to learn more!

08/06/2026

Turn‑the‑Key Terminology: Contingency 🔑

When you make an offer on a home, there are certain conditions that need to be met before the sale can move forward. These conditions help protect you as a buyer and give you time to make sure everything checks out.

If one of those conditions isn’t met, you can usually step away from the deal without losing your deposit.

Want to learn more about other homebuying terms or how this applies to your situation? I’m always here to help!

08/04/2026

If you’re looking to roll your mortgage and remodeling costs into one, a Purchase Renovation Loan may be a great fit. This type of loan is based on your home’s value after renovations are complete, which can give you more borrowing power than a traditional home equity loan.

It’s a smart way to update your fixer‑upper and build equity faster. If you’re curious about how it works or want to explore your renovation loan options, I’m here to help you get started.

Message me anytime or apply now: https://germanamerican.com/chloe-baugher

07/30/2026

If you are exploring open houses this weekend, I am here to help you make the most of your summer home search. Warm weather and longer days make it a great time to get a feel for what is on the market and start planning your next steps.

You can find links to pre‑qualify or reach out to me directly whenever you are ready!

📩 Message me anytime or learn more at: https://germanamerican.com/chloe-baugher

07/28/2026

Check your credit with confidence this season. 😎

Summer is all about bright skies and fresh starts, and your financial picture can be part of that reset. Understanding your credit profile is an important step when you are preparing for homeownership.

With German American Online and Mobile Banking powered by SavvyMoney, you can view your credit score and report for free inside our secure app. It is a simple way to see where you stand without impacting your score.

✔️ Review key credit factors
✔️ Explore ways to strengthen your profile
✔️ Understand your creditworthiness at application time
✔️ Prepare for the summer market

When we review your loan options, we can evaluate your credit as part of the application process without affecting your score.*

If buying a home is part of your summer plans, let’s connect and create a plan that fits your goals.

📩 Message me to get started:

Address

240 Jackson Street
Columbus, IN
47201

Telephone

+18123722265

Website

http://germanamerican.com/cluse

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