TBF Mortgage Company - Jeffersonville, IN

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Jeffersonville, IN
TBF Mortgage Company - Jeffersonville, IN

🏡 TBF Mortgage | Your Trusted Mortgage Experts
Family-owned & locally rooted 💙 NMLS 1934540

07/20/2026

Ready to buy now—or just thinking about it?

The best time to talk with a mortgage professional isn't when you've found the perfect home—it's before you start your search.

A quick conversation today can help you:
✔️ Understand your budget
✔️ Find opportunities to strengthen your credit
✔️ Build a personalized home-buying plan
✔️ Learn your down payment options
✔️ Be ready to act when the right home hits the market

No pressure. No commitment. Just the information you need to make confident decisions when the time is right.

Reach out to TBF Mortgage Company today—we're here to help every step of the way.
(888) 537-6001
www.TBFMortgage.com
NMLS #1934540
Equal Housing Lender

07/08/2026

The Mortgage Dictionary: Verification of Employment (VOE)

Buying a home comes with a lot of paperwork, and Verification of Employment (VOE) is one of the important steps lenders use to confirm your employment and income during the mortgage process.

🏡 Why does it matter?
✔ Verifies the income used to qualify for your loan
✔ Confirms you’re currently employed
✔ Helps lenders ensure you can comfortably repay the mortgage

Homebuyer Tip: Lenders may verify your employment again right before closing, so it’s usually best to avoid changing jobs or employment status while you’re in the middle of buying a home.

The more you understand the mortgage process, the more confident you’ll feel on your journey to homeownership!

(888) 537-6001
www.TBFMortgage.com
NMLS #1934540
Equal Housing Lender

07/07/2026

Buying a home is one of the biggest decisions you’ll make—and it’s completely normal to have questions along the way.

From paperwork and inspections to financing and closing day, there can be a lot to navigate. That’s why having the right team matters. We’re here to guide you through the process, answer your questions, and help you feel confident every step of the way. ☕🏡

Have a homebuying question you’ve been afraid to ask?
Drop it below!

(888) 537-6001
www.TBFMortgage.com
NMLS #1934540
Equal Housing Lender

07/06/2026

One of the most important mortgage rules:
If your loan officer says, “Don’t make any big purchases,” they don’t mean “unless it’s on sale.”

That new furniture set, appliance package, car, or credit card can impact your loan qualification faster than you think.

When in doubt, call your loan officer first. We’d much rather answer a quick question than have a surprise pop up right before closing!

(888) 537-6001
www.TBFMortgage.com
NMLS #1934540
Equal Housing Lender

07/04/2026

Happy 4th of July from TBF Mortgage!
Hope everyone’s enjoying good food, good company, and some fireworks tonight 🎆
Have a safe and fun holiday!

(888) 537-6001
www.TBFMortgage.com
NMLS #1934540
Equal Housing Lender

07/01/2026

The Mortgage Dictionary: FICO® Score

When it comes to buying a home, your FICO® Score is one of the most important numbers lenders consider. It helps determine your loan options, interest rate, and overall mortgage affordability.

🏡 What impacts your FICO® Score?
✔ Payment history
✔ Amount of debt owed
✔ Length of credit history
✔ New credit accounts
✔ Types of credit used

💡 Why does it matter?
• Can affect your mortgage approval
• May impact your interest rate
• Can influence your monthly payment
• Helps determine which loan programs you qualify for

The good news? You don’t need a perfect credit score to become a homeowner. Many loan programs are available for a variety of credit situations, and even small improvements to your score can make a big difference.

(888) 537-6001
www.TBFMortgage.com
NMLS #1934540
Equal Housing Lender

06/30/2026

Spilling the Mortgage Tea

“I changed jobs, so I can’t buy a house yet.”

☕ Not necessarily!

A recent job change doesn’t automatically mean you can’t qualify for a mortgage. Let’s talk about your situation.
(888) 537-6001
www.TBFMortgage.com
NMLS #1934540
Equal Housing Lender

06/29/2026

We hear this one all the time…
“I don’t need a pre-approval. I already know what I can afford.”

The truth? What feels comfortable monthly and what a lender can approve aren’t always the same thing. A quick pre-approval can help you:
🏡 Shop with confidence
💰 Understand your true budget
⚡ Move quickly when you find the right home

And don’t worry—it’s a lot easier than most people think.

Thinking about buying?
Let’s find out what your numbers actually look like.
(888) 537-6001
www.TBFMortgage.com
NMLS #1934540
Equal Housing Lender

06/24/2026

Mortgage Dictionary: Loan-to-Value Ratio (LTV)

Buying a home comes with a lot of new terminology, and understanding the basics can help you make more informed decisions.

Loan-to-Value Ratio (LTV) is the percentage of your home’s value that you’re borrowing. Simply put, the lower your LTV, the more equity you have in your home from the start.

🏡 Why is LTV important?

✔ It can impact the loan programs you qualify for
✔ A lower LTV may help you secure better loan terms
✔ It can reduce or even eliminate mortgage insurance requirements
✔ It plays a role in your monthly payment and overall borrowing costs

Whether you’re purchasing your first home or your fifth, understanding your LTV is an important part of the homebuying process.

Have questions about down payments, mortgage options, or how much home you can afford?
We’re here to help!

(888) 537-6001
www.TBFMortgage.com
NMLS #1934540
Equal Housing Lender

06/23/2026

Spilling the Mortgage Tea:

That Starbucks run probably isn’t why you got denied.

Lenders look at the big picture—your income, debt, credit, and overall financial profile—not your occasional latte.

(888) 537-6001
www.TBFMortgage.com
NMLS #1934540
Equal Housing Lender

Address

601 North Shore Drive Suite 104
Jeffersonville, IN
47130

Telephone

+15025376001

Website

http://www.TBFMortgage.com/

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