Bill Lowery -NMLS # 137956- Mortgage Banker

09/08/2026

Buying your first home is a big milestone, and having the right financing and support can make all the difference.

Thank you for the kind words, Eric, and congratulations on your new home!

09/03/2026

When you finance your new construction home through First Merchants, you'll have access to Built, our online construction lending platform. Built gives you, your builder, and your lender a shared view of the project from groundbreaking to closing.

What you get as a homebuyer:

• Real-time visibility: Log in anytime to view construction progress, draw requests, funding activity, and project updates.

• A smoother building process: Because your builder and lender work within the same platform, draw requests and approvals can be processed more efficiently.

• Everything in one place: Access inspections, approvals, project documents, and funding history through a single portal.

• Greater confidence throughout the build: Track project milestones and stay informed about when funds are disbursed and work is progressing.

If you know someone planning to build a new home, I’m always here to help answer financing questions.
https://myoc.io/loweryloans

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/loweryloans

08/27/2026

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/loweryloans

08/25/2026

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/loweryloans

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.

08/18/2026

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/loweryloans

08/13/2026

Is homeownership still worth it?

For many families, the answer is still yes, especially when you look at the long-term picture.

The Federal Reserve’s most recent Survey of Consumer Finances shows homeowners had a median net worth of nearly $396,000 in 2022, compared to about $10,000 for renters.

Homeownership can help build wealth through equity, potential appreciation, and the stability of owning something that is yours.

Thinking about homeownership? Message me for help understanding what’s possible.

08/11/2026

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/loweryloans

08/08/2026