Commercial
SBA Mortgages in Indianapolis, IN
Indianapolis is a city of 0.89 million people, and Custom Mortgage arranges SBA Mortgages loans there and elsewhere in Marion County, including Mass Ave and Broad Ripple. Indianapolis's median home value of $224,800 tracks the Marion County median of $224,000 closely (Census ACS 2020-2024 5-year). Marion County's 2026 conforming limit, $832,750, is 3.7 times that median, so loan size seldom binds.
Households in Indianapolis earn a median $66,219 a year. About 56% of occupied homes are owner-occupied (57% countywide). The median home was built in 1973. Renters in Indianapolis pay a median $1,156 a month in gross rent.
SBA Mortgages Highlights
- Lower down payments, often as low as 10-25%, preserving your capital.
- Competitive interest rates designed to improve your profitability.
- Longer repayment terms, extending up to 25 years, to improve cash flow.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Marion County at a glance
- Indianapolis median home value
- $224,800
- Source: Census ACS 5-year, Indianapolis city (balance), Indiana, 2020-2024
- Indianapolis median household income
- $66,219
- Source: Census ACS 5-year, Indianapolis city (balance), Indiana, 2020-2024
- Indianapolis owner-occupied homes
- 56%
- Source: Census ACS 5-year, Indianapolis city (balance), Indiana, 2020-2024
- Indianapolis median year built
- 1973
- Source: Census ACS 5-year, Indianapolis city (balance), Indiana, 2020-2024
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $224,000
- Source: Census ACS 5-year, 2024
- Median household income
- $66,346
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 57%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 3.4
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: MARION
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
SBA Mortgages in Indianapolis, IN
Indianapolis mortgage lending. Affordable home financing for Central Indiana.Custom Mortgage & Real Estate specializes in providing high-fidelity SBA Mortgages solutions tailored to the unique economic landscape of Indianapolis and the surrounding Marion County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireIndianapolis metropolitan area.
Service Areas & Neighborhoods
Our Indianapolis Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About SBA Mortgages in Indianapolis
Yes, by $607,950: $224,800 median versus a $832,750 one-unit limit.
At least $56,200 before closing costs (75% maximum LTV on $224,800). Close to 10 months of gross pay at the $66,219 local median.
3.4 times the $66,219 median household income, about the same as across Marion County. That fits common debt-to-income limits.
See all SBA Mortgages questions and program details
SBA Mortgages by Location
Get local rates, loan limits, and market data for SBA Mortgages in your area.
AZ
CA
CO
FL
GA
ID
IL
MI
NJ
NY
OH
OR
TX
VA
WA
View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
