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

Whether you're relocating for a new opportunity, helping a family member purchase a home, buying a retirement property, ...
09/08/2026

Whether you're relocating for a new opportunity, helping a family member purchase a home, buying a retirement property, or finding the perfect home outside your current market, you deserve a lending experience that travels with you.

My ability to lend nationwide means you can work with someone you know and trust, no matter where your next chapter begins.

When you're ready to make a move, let's connect and explore your options.
https://myoc.io/dsj37vcmTUj

Many of these programs can be combined, creating opportunities for homebuyers to reduce upfront costs and purchase soone...
09/03/2026

Many of these programs can be combined, creating opportunities for homebuyers to reduce upfront costs and purchase sooner than they may have thought possible.

Reach out anytime if you'd like to discuss your options or get a personalized mortgage quote.
https://myoc.io/dsj37vcmTUj

I’m here to support your homebuying, building, and refinancing needs. Let me know how I can help!✅Purchase Your Dream Ho...
09/01/2026

I’m here to support your homebuying, building, and refinancing needs. Let me know how I can help!

✅Purchase Your Dream Home

Our mortgage options include low down payment programs, down payment assistance and grants, and solutions to fit a variety of needs and budgets.

✅Build Your Private Retreat

Our single-close construction and renovation loan programs help simplify building or improving your forever home.

✅Refinance Your Mortgage

A refinance can help you lower your monthly payment, access your home's equity, or better align your mortgage with your financial goals.
https://myoc.io/dsj37vcmTUj

Many homeowners assume refinancing is only worth considering when interest rates fall.In reality, there are a variety of...
08/27/2026

Many homeowners assume refinancing is only worth considering when interest rates fall.

In reality, there are a variety of reasons people choose to refinance based on their financial goals and needs.

Some homeowners use refinancing to access home equity for renovations, consolidate higher-interest debt, pay off credit cards or personal loans, or help cover major expenses like college tuition, medical bills, or weddings.

If you’re ever curious about refinancing, I offer a free refinance analysis to help you evaluate the costs and benefits.
https://myoc.io/dsj37vcmTUj

When the right opportunity comes along, will you be ready?Many are waiting for rates to change, but they aren’t doing th...
08/25/2026

When the right opportunity comes along, will you be ready?

Many are waiting for rates to change, but they aren’t doing the prep work.

As a mortgage professional, I help clients think through the bigger picture long before they start making offers, including:

✅ What monthly payment feels comfortable for their budget

✅ Based on that payment, what price range makes sense to shop in

✅ How much they'll need for a down payment and closing costs

✅ How much cash they'd like to keep in savings after closing

✅ The ongoing costs of homeownership, such as taxes, insurance, maintenance, and repairs

✅ How a home purchase fits into their broader financial goals and lifestyle

Whether you're planning to buy in a few months or a few years, now is a great time to start building a plan.

Message me to schedule a free planning call.
https://myoc.io/dsj37vcmTUj

If a lake home is on your mind, it’s important to understand the full picture, from financing and insurance to maintenan...
08/20/2026

If a lake home is on your mind, it’s important to understand the full picture, from financing and insurance to maintenance, taxes, and lake-life extras.

Have a specific property you’re considering? Send me the address. I can put together a monthly payment estimate so you can understand the numbers before you make a move.

In the first half of 2026, First Merchants helped 310 households access $2.95 million in down payment assistance. Our te...
08/18/2026

In the first half of 2026, First Merchants helped 310 households access $2.95 million in down payment assistance.

Our team is experienced in matching homebuyers with available grant programs to make homeownership more affordable.

If you know someone planning to purchase their first home, have them reach out. I'll help them explore what's available and see if they might qualify for assistance.
https://myoc.io/dsj37vcmTUj

Start with the monthly payment. Not the listing price. Your monthly payment is what becomes part of your everyday life. ...
08/13/2026

Start with the monthly payment. Not the listing price.

Your monthly payment is what becomes part of your everyday life. It should fit comfortably within your budget and still leave room for the things that matter to you.

Want to get clear on your numbers before you start touring homes? Send me a message to schedule a free budget planning call.
https://myoc.io/dsj37vcmTUj

Outgrowing your home, your mortgage, or both?Your first mortgage may have fit your life perfectly when you bought your h...
08/11/2026

Outgrowing your home, your mortgage, or both?

Your first mortgage may have fit your life perfectly when you bought your home. But life changes. Growing family, changes in income, needed repairs, higher-interest debt, or plans to renovate can all be reasons to take a fresh look at your options.

Maybe you’re considering a refinance to access home equity or consolidate debt. Maybe you want to improve or expand your current home with construction or renovation financing. Or maybe you’re thinking about upsizing, downsizing, or buying something that better fits this season of life.

If your home goals have changed, reach out for a free consultation. I can help you take a fresh look and talk through your options.
https://myoc.io/dsj37vcmTUj

As a mortgage lender, I've worked with many families trying to balance homeownership goals with the realities of the sch...
08/06/2026

As a mortgage lender, I've worked with many families trying to balance homeownership goals with the realities of the school year.

There's rarely a "perfect" time to move. Between school schedules, activities, and family routines, the decision can feel overwhelming.

Whether you're considering a move now or simply planning ahead for next year, I'm here to help you understand your options and create a timeline that makes sense for your family.
https://myoc.io/dsj37vcmTUj

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250 Main Street
Lafayette, IN
47901

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