Conventional
Fannie Mae and Freddie Mac financing with competitive fixed and adjustable terms.
Get a Conventional quoteThe Mortgage Exchange LLC · Since 2014
Your Trusted Path to Buying, Refinancing, and Equity.
From fast, custom digital quotes to a streamlined online application, you can get your money and do what you want with it — usually in less than 30 days.
“Friendly and professional every step of the way.”
— Bonnie B., Chesterton, IN · via Google10 offices70+ loan officers15 statesNMLS #1037933
Closed in under 30 days
A real, custom quote and an online application. Most loans close within about a month from first call to keys.
Choice beyond one bank
We work with the country’s top investors so you see real options — not a single product line or one rate sheet.
A real loan officer, every time
70+ officers across 15 states. Pick the one closest to you, or the one who knows your loan.
What we do
Three doors. One trusted guide.
Buying
Ready to Buy a Home?
Secure a home purchase loan that leverages today's great mortgage rates to make your dream home affordable. Start with a free, no-obligation pre-approval letter.
Get my pre-approvalRefinancing
A Refinance Can Give You More Options
Refinancing could save you a considerable amount of money over the life of your loan and potentially improve your overall financial outlook.
Explore refinancingEquity
Get a Loan Without the Hassle
You've earned it — use your equity any way you see fit. Tools and knowledge that will help guide you, starting with a fast, personalized rate quote.
Get my rate quote
Why refinance
Three reasons people refinance with us.
Update Your Home
Receive flexibility to update your home's look and value.
Instant Savings
Refinance to get a lower payment every month.
Use Your Equity
You've earned it — use your investment any way you see fit.
Loan programs
Built around your home — not a bank's rate sheet.
Each quote is custom and no-obligation. No credit pull required.
FHA
As little as 3.5% down. A flexible path for first-time buyers and lower credit scores.
Get a FHA quoteVA
For eligible service members and veterans. No private mortgage insurance required.
Get a VA quoteUSDA
Designed for eligible rural properties — often with no down payment at all.
Get a USDA quoteJumbo
For high-priced homes that exceed conforming loan limits. Bespoke structures available.
Get a Jumbo quoteHELOC
Tap the equity you've built and keep it available for what matters next.
Get a HELOC quoteWhat clients say
4.4 · 76 Google reviews
5.0
via Google“Friendly and professional every step of the way.”
Bonnie B.
Chesterton, IN
5.0
via Google“Seth would be there to answer day or night.”
Lake R.
Indiana
5.0
via Google“Reliable, responsive, and one step ahead.”
Elisa C.
Indiana
Need a number today?
Get a custom rate quote in 30 seconds.
A licensed loan officer reviews your scenario and emails back a custom rate — no credit pull, no commitment.
Photo · Chesterton, IN
About The Mortgage Exchange
A mortgage banker from your town — not a call center.
The Mortgage Exchange opened in Chesterton, Indiana in 2014. We now lend in 15 states through 10 offices, but every loan still goes through a real person, a real underwriter, and a real phone call.
Pick up the phone, tell us what you're doing with the home, and we'll tell you what it costs. We'll pick up the loan seven business days later.
Read our story →
Founded2014Chesterton, IN
Common questions
What most borrowers want to know before they call.
Buying
Most of our loans close in under 30 days from application. We’ll give you a realistic timeline on your first call once we know your scenario.
Conventional loans typically prefer 620+. FHA accepts lower scores with stronger compensating factors. We’ll quote every option you likely qualify for.
Refinancing
Usually — if rates dropped since you locked or your equity grew. We’ll run the math on your actual loan, not a generic rate table.
If you have an FHA or VA loan, a streamline skips much of the paperwork. We’ll tell you on the first call whether you qualify.
Working with us
We lend in 15 states — IN, IL, AZ, CA, CO, FL, KY, MI, MS, MO, NC, OH, SC, TN, WI — through 10 offices and 70+ loan officers.
Nothing. Our custom rate quotes are free, no-obligation, and do not require a credit pull.
Let's talk
A real loan officer replies in 10 minutes.
Mon–Fri, 9 a.m. – 5 p.m. CT. No bots, no call trees — just a person who’ll answer your question and tell you what’s next.