Todd Ronk, Mortgage Loan Consultant NMLS 562995

Todd Ronk, Mortgage Loan Consultant NMLS 562995 Mortgage Banker at First Merchants Bank helping families reach their home ownership goals for 20+ yrs

If you’re planning to buy in the next year or two, here’s where I’d focus your time and energy now:👉 Start with a conver...
06/11/2026

If you’re planning to buy in the next year or two, here’s where I’d focus your time and energy now:

👉 Start with a conversation

Talk with a lender (that’s me!) about loan options and what it takes to qualify. It doesn’t commit you to anything, it just helps you understand what to expect when the time comes.

👉 Get clear on your budget

Think about a monthly payment that feels comfortable for your life, one that doesn’t cause stress or leave you living paycheck to paycheck. From there, we can map out home prices and how much to save for the down payment and closing costs.

👉 Check your credit early

You don’t need perfect credit, but knowing where you stand gives you time to improve if needed. Aim for a score in the mid-600s or higher, with better rates and terms often available as you move into the 700+ range.

You don’t have to be “ready” yet to start preparing. Message me to start the conversation 📩
https://myoc.io/dsj37vcmTUj

Lake days. Sunset views.Memories that come back year after year.For many, owning a lake home isn’t just a dream, it’s a ...
06/09/2026

Lake days. Sunset views.

Memories that come back year after year.

For many, owning a lake home isn’t just a dream, it’s a goal.

And when the timing feels right, it’s worth understanding what it would take to get there.

Always happy to answer questions or talk it through when you’re ready.
https://myoc.io/dsj37vcmTUj

If you’re trying to picture what that shift actually looks like day to day, here are a few things to keep in mind:➡️ Mai...
06/04/2026

If you’re trying to picture what that shift actually looks like day to day, here are a few things to keep in mind:

➡️ Maintenance and repairs are now yours to manage. No more calling a landlord to fix a leaky faucet, replace an appliance, or handle an HVAC issue. Planning ahead for these expenses becomes part of homeownership.

➡️ You can personalize your space however you want. From paint colors to renovations to small projects over time. You’re no longer limited by lease agreements or landlord rules.

➡️ Taxes and insurance become part of your monthly payment, and can increase (or decrease) over time. Although you won’t have to worry about rent hikes, your monthly mortgage payment may fluctuate based on those factors. Plan accordingly.

➡️ You start building equity and long-term wealth with each payment, rather than paying rent to your landlord with nothing to show for it.

If you’re thinking about making the move, I’m happy to help you map it out and explain all the details. Send me a message any time.
https://myoc.io/dsj37vcmTUj

A well-planned budget isn’t just about getting into a home. It’s about being able to stay comfortable, handle surprises,...
06/02/2026

A well-planned budget isn’t just about getting into a home. It’s about being able to stay comfortable, handle surprises, and enjoy it long-term.

That’s why it’s important to think beyond the down payment.

Need help creating a home budget? Send me a message – no cost or sales pressure.
https://myoc.io/dsj37vcmTUj

If you’re planning to buy your first home, here are some programs worth knowing about:➡️ Next Horizon Loans – An exclusi...
05/28/2026

If you’re planning to buy your first home, here are some programs worth knowing about:

➡️ Next Horizon Loans – An exclusive First Merchants program with 0% down payment options, no PMI, and non-traditional credit history accepted.

➡️ FHA Loans – Popular with first-time buyers due to lower down payment requirements and more flexible credit guidelines.

➡️ Down Payment Assistance & Grants – Programs that may help cover part (or all!) of your down payment or closing costs, depending on eligibility.

I’m happy to help you understand what you qualify for and build a plan that fits your budget. Message me to schedule a free homebuyer consultation.
https://myoc.io/dsj37vcmTUj

Construction financing works best when the lender understands the build process. Our single‑close construction loan offe...
05/26/2026

Construction financing works best when the lender understands the build process. Our single‑close construction loan offers a smooth transition to permanent financing after project completion. Backed by real construction experience, including our program manager who is a licensed residential builder, our team helps keep communication clear and projects on track.

Message me if you ever want to talk about your options for building a home.
https://myoc.io/dsj37vcmTUj

Quick reminder that I can help you, your family, and friends – anywhere in the country 😊Happy to talk through options or...
05/21/2026

Quick reminder that I can help you, your family, and friends – anywhere in the country 😊

Happy to talk through options or answer questions.
https://myoc.io/dsj37vcmTUj

Don’t go just anywhere for your mortgage. Your lender plays a huge role in how smooth or stressful the process feels. We...
05/19/2026

Don’t go just anywhere for your mortgage. Your lender plays a huge role in how smooth or stressful the process feels. We have a strong reputation with our customers and local real estate professionals for being reliable, having competitive rates and programs, and closing on time.

If you or someone you know need help with buying a home or refinancing, I’m here to help. Send me a message.

This time of year is great for doing home maintenance, starting a renovation project, or adding a fresh coat of paint. F...
05/14/2026

This time of year is great for doing home maintenance, starting a renovation project, or adding a fresh coat of paint. First Merchants has a HELOC Special to help you finance it!

If you have a project you’re thinking about, I’d love to tell you more about how our HELOC offer can help you get started.

If homeownership feels out of reach because of savings, down payment assistance may be something worth learning more abo...
05/12/2026

If homeownership feels out of reach because of savings, down payment assistance may be something worth learning more about.

Message me if you want to explore what options might be available to you.
https://myoc.io/dsj37vcmTUj

Address

250 Main Street
Lafayette, IN
47901

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