FAQ

Frequently Asked Questions

How can you calculate how much home I can afford?

After verification of your income, assets, and what payment you are comfortable with, we will work with you on how much of a home you can afford.

What credit score do I need to qualify?

Credit requirements vary by program and lender. Conventional loans often start around 620, while FHA and VA guidelines can differ based on the full borrower profile. Indus Financial LLC will review your situation and recommend the most realistic path forward.

What documents should I prepare to get started?

Most borrowers will need ID, recent pay stubs, W-2s (or tax returns if self-employed), bank statements, and details on any debts. If you are purchasing, the purchase contract and property information will also be needed.

Can Indus Financial help with home equity or cash-out needs?

Yes. If you want to use equity for remodeling, debt consolidation, or other goals, Indus Financial can review cash-out refinance or other equity-based options and explain the numbers clearly so you can decide confidently.

Does Indus Financial offer financing for new construction?

Yes. Indus Financial can help you explore new construction financing options based on your builder, timeline, and the type of project. You will get clear guidance on what documentation is needed and how the process typically works from contract to closing.

Can Indus Financial help with investment property financing?

Yes. Indus Financial assists with investment home financing and will help you understand how requirements differ from a primary residence, including down payment, reserves, and how rental income may be evaluated.