Christy Seng - Mortgage Consultant nmls#543517

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United States
Franklin, IN
Christy Seng - Mortgage Consultant nmls#543517

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Whether you're buying your first home, refinancing, or exploring loan options, I'm here to guide you through every step of the way.

With deep knowledge of the Indianapolis South market and commitment, I will help you make confident mortgage decisions.

11/04/2026

We love hearing from our customers. Thank you for trusting our team with your mortgage, and for taking the time to leave a review!

11/02/2026

From January through September 2026, First Merchants helped 501 families access a total of $5.19 million in down payment assistance to make their home purchase more affordable.

If you know anyone looking to buy their first home, reach out to me and my team. We may have a program that can help cover some (or all) of their down payment and closing costs.

10/29/2026

I would love the opportunity to work for you as well on your home purchase or refinance!

10/28/2026

The short answer: A mortgage pre-approval may cause a small, temporary impact to your credit score because the lender pulls your credit report.

Lenders need to review your credit as part of determining how much home you may qualify for. In most cases, the impact is minor, and many buyers find that the benefits of knowing their budget and strengthening their offer far outweigh any temporary dip in their score.

If you're nervous about the credit check, you may be able to start with a pre-qualification. A pre-qualification can give you a general idea of what you can afford and often doesn’t require a hard credit inquiry.

The most important thing: don't let fear stop you from exploring your options. Knowledge is power, and understanding your financing options can start with a simple conversation.

📩 Ready to begin the conversation? Send me a message any time.
https://myoc.io/sengmortgage

10/26/2026

After weeks of house hunting, inspections, paperwork, and loan approvals, there's one final step: Closing.

Think of Closing as the day when the home officially becomes yours.

You'll sign documents, pay any remaining funds due, and finalize the transfer of ownership. Once everything is complete, you'll get the keys and can officially call yourself a homeowner.

If you have questions about Closing or the mortgage process in general, don’t be afraid to ask.

10/21/2026

Real estate and mortgage pros, have you heard about this?

Fannie Mae recently updated its guidelines for buyers who want to move and keep their current home as a rental.

The change gives lenders additional ways to document market rent, which may help streamline the qualification process for some move-up buyers.

Rather than waiting for a signed lease and tenant in place, lenders can now use market rent data to estimate potential rental income. That projected income can offset the existing mortgage payment, potentially making it easier to qualify for the next home.

Read more about it here: https://selling-guide.fanniemae.com/sel/b3-3.8-05/rental-income-non-subject-property-departing-residence

10/19/2026

Most lenders offer low or no down payment loan options, but that's only part of the affordability conversation.

What many homebuyers don't realize is that there may also be grants and down payment assistance programs available to help reduce their upfront costs.

At First Merchants, we help eligible buyers explore our in-house grant programs and identify additional community-based assistance programs that may be available. In some cases, these programs can even be combined to provide greater support.

If you've been putting off homeownership because you think you need a large amount of money saved, it may be worth exploring what's available before ruling it out.

Contact me anytime for a free homebuyer consultation call.
https://myoc.io/sengmortgage

10/14/2026

Like it or not, winter is coming. Tackle these annual maintenance tasks before cold weather sets in.

10/12/2026

Building a home can feel overwhelming, especially if it's your first time.

That's why we created our Construction Loan Handbook, a practical guide that explains the construction process, answers common questions, defines industry terminology, and explores the financing options available to help bring your vision to life.

➝ Click to download:https://www.firstmerchants.com/docs/default-source/default-document-library/fmb-construction-loan-handbook-0723.pdf

10/07/2026

Getting pre-approved for a mortgage doesn't mean you can stop being careful with your finances.

The time between pre-approval and loan closing is critical. Your lender is still relying on the financial information you provided when you applied.

That's why it's important to avoid major purchases, new credit accounts, or other significant financial changes until after loan closing. If you're unsure whether something could impact your loan, check with your lender first.
https://myoc.io/sengmortgage

Address

2259 N MORTON Street
Franklin, IN
46131

Telephone

+13177096959

Website

http://www.firstmerchants.com/christyseng

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