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Home buying in Lafayette and West Lafayette Area- TRID

Mortgage and Lending 60874

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Home buying in Lafayette and West Lafayette area - Will the new Fed regulation of TRID hold you back from purchasing your dream home?


In short, “No”, as long as you have an expert Loan Officer, like myself.  Never has it been more crucial than it is now to choose a Loan Officer who will stay on top of your file.  Here at Approved Mortgage, in Lafayette, Indiana, we pride ourselves in customer service—that goal is our top priority, and the underwriters that we work with share that commitment to excellence as well.  The Lafayette/West Lafayette housing market has remained stable, perhaps even with an upward trend, and with new businesses and manufacturing plants coming in this year and next, we expect for the housing market to continue to trend upward even if rates do likewise.


So what should I do to make sure with the new TRID regulation that my home purchase closes with ease?


You want to go to an Expert - your banker may not be the “expert.”  Some clients think they first need to check with “their bank.”  Your bank may not have the range of choices, professional expertise, or control over your loan approval.  Most banks, because of the lack of control over each loan, are now stating for realtors to write a purchase agreement of no less than 45 days because of TRID.  This is not the case when seeking financing in the Lafayette, West Lafayette , and Tippecanoe County area with Approved Mortgage/Carrie Johnston .   30 days is still no problem with financing a Lafayette IN home purchase! 

Check around, listen to what the Loan Officer tells you during the initial phone call.  You can tell if a Loan Officer is knowledgeable and has the backing of a company that “gets it done”.  Lower cost, more options, and more control on your loans are important features when buying that Lafayette, Indiana home that needs financing, and Carrie Johnston at Approved Mortgage is available to assist you with your lending needs to buy your dream home in Tippecanoe County, Indiana!

  Approved Mortgage isn’t just a middle man, we control our loans from start to finish and fund all our loans, yet have over 65 investors and their options at our fingertips.  Find the Expert – Carrie Johnston 765-543-1823


Stay tuned tomorrow for tips on the TRID breakdown and more helpful advice so your home buying is smooth.


Mery Fernandez Empire Network Realty Luxury Brokerage
Empire Network Realty INC. - Orlando, FL
The Rise of An Empire, Let's Build Yours!

Hi Carrie!!  Welcome to the world of Activerain, may your blogging  create a whole new chapter in your Real Estate Career.

Oct 06, 2015 11:53 PM
Carrie Johnston

Thank you Mery.  I appreciate the words of encouragment!

Oct 07, 2015 01:48 AM
Carrie Johnston

Thank you Mery Fernandez!  I am looking forward to blogging and advise from people like you and your insight.  Thank you for your word of encouragement!

Oct 12, 2015 09:00 AM
Tony and Suzanne Marriott, Associate Brokers
Serving the Greater Phoenix and Scottsdale Metropolitan Area - Scottsdale, AZ
Coldwell Banker Realty

Carrie Johnston Welcome to Active Rain!  As REALTORS who have been here (on and off) for close to 9 years, it's well worth it!

Oct 07, 2015 12:14 AM
Carrie Johnston

Thank you Tony & Suzanne.  Keller Williams is an excellent real estate company!  cannot say enough good things about them!

Oct 07, 2015 01:48 AM
Carrie Johnston

Thanks, Tony & Suzanne Marriott!  9 years! that is great!  Any advise for me?  I can see have many followers and lots of knowledge!

Oct 12, 2015 09:01 AM
Shirley Coomer
Keller Williams Realty Sonoran Living - Phoenix, AZ
Realtor, Keller Williams Realty, Phoenix Az

Welcome to ActiveRain Carrie. It is always important for buyers to have a knowledgeable and experienced lender as well as an experienced Realtor.  Sounds like you are on top of things!

Oct 07, 2015 02:36 AM
Carrie Johnston

Thank you Shirley Coomer- I can second that.  thank you for your comment.

Oct 07, 2015 03:27 AM
Carrie Johnston

Thank you Shirley Coomer.  I feel very fortunate to have so many people welcoming me to Active Rain.  Staying on top of the latest updates and mortgage info is always fun!

Oct 12, 2015 09:02 AM
Captain Wayne - Rowlett Real Estate School
Rowlett Real Estate School - Panama City, FL
Rowlett Real Estate School / Owner and Instructor

Welcome to the Rain! A good post to start out with. Wishing you the best in all that you do.

Oct 07, 2015 07:28 AM
Carrie Johnston

Thanks, Captain Wayne!  I'm looking forward to learning from so many experts like yourself.

Oct 07, 2015 08:38 AM
Captain Wayne - Rowlett Real Estate School
Rowlett Real Estate School - Panama City, FL
Rowlett Real Estate School / Owner and Instructor

Welcome to ActiveRain, it's great to have you aboard.  I look forward to reading more of your blogs in the future.

Oct 07, 2015 07:28 AM
Carrie Johnston

Thank you Captian Wayne- Rowlett Real Estate School--- sounds like you are well informed and great teacher.  Looking forward to reading your blogs as well!

Oct 12, 2015 09:03 AM
Nicole Doty - Gilbert Real Estate Expert
Zion Realty - Gilbert, AZ
Broker/Owner of Zion Realty ZionRealtyAZ.com

Good morning Carrie and welcome to Active Rain. The new TRID guidelines will be rough to navigate at first but we'll get through it. 

Oct 08, 2015 01:39 AM
Carrie Johnston

Thanks, Nicole Doty!  I appreciate the welcome and looking forward to following you and any experience on TRID as we navigate this together.

Oct 12, 2015 09:03 AM
Roy Kelley
Retired - Gaithersburg, MD

This is good information for home buyers and their agents. 

This topic will be good for a long series of blogs. There will be many stories to tell.

Oct 08, 2015 07:34 AM
Carrie Johnston
Lafayette, IN

oh I agree Roy Kelley.  I'm sure as time passes there will be some interesting stories of last minute "things" that come up.  It would be good to hear as a sounding board so everyone can get better.

Oct 08, 2015 07:55 AM
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate Services

Hi, Carrie,  I am here from Bruce Walter's post. I am definitely a fan of Sharon and Bruce. Welcome to ActiveRain.  Keep those post coming.  TRID has many heads spinning. 

Oct 11, 2015 02:52 AM
Carrie Johnston
How can you not be a fan of Bruce and Sharon Walters they are genuine to the core. Client service is what they always succeed at. Looking forward to communicating with you in the future. Anyone that is a friend of Bruce and Sharon Walters is a friend of mine. Thank you!
Oct 11, 2015 03:18 AM
Carrie Johnston

Kathleen Daniels, thank you so much for visiting and I am so looking forward to hearing from you soon.  Bruce Walter is an amazing realtor and I really appreciate his kinds words.

Oct 12, 2015 08:58 AM
Shanna Hall
Real Estate Solutions - Kirkwood, MO
I love selling houses!!!St. Louis, MO 314-703-1311

Welcome to the Rain Carrie!  Looks like you are already a hit;)  I am looking forward to reading more of your blogs!

Oct 11, 2015 04:07 AM
Carrie Johnston
Thanks Shanna. I really appreciate the words of encouragement. The Active Rain "family" seems like such an amazing thing and I am So Excited to be a part of this. Looking forward to reading your blogs as well Shanna Hall!
Oct 11, 2015 04:44 AM
Carrie Johnston

Thanks, Shanna Hall.  I am looking forward to following you as well.  It means so much to have such support on Active Rain by people like you.  Thank you!

Oct 12, 2015 08:58 AM
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

Welcome Carrie. Congratulations on your first post and it being such a good one full of relevant content.

Oct 11, 2015 11:43 AM
Carrie Johnston
Lafayette, IN

Thank you Debbie Reynolds.  I appreciate your support and I am SO looking forward to the Active Rain family and all your insight and feedback.  Thank you again!

Oct 12, 2015 08:57 AM
Rebecca Gaujot, Realtor®
Lewisburg, WV
Lewisburg WV, the go to agent for all real estate

We have had many loan officers at our Board meetings talking about the TRID guidelines....hopefully we are all ready.

Oct 12, 2015 11:17 AM
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

Hi Carrie, and welcome to 'the Rain'.  I'm hoping that you will become an active member and that we'll learn from your blogs.

Oct 13, 2015 09:40 PM
Crystal Kilpatrick
Team Leader -Crystal Kilpatrick Group - Austin, TX
CHLMS,CNE, CRS - Austin & Central Texas Home Sales

Welcome to ActiveRain.  Thank you for sharing with us here.

Oct 17, 2015 06:15 AM
Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • GRI • HAFA • PSC Calabasas CA

Welcome to the Rain, Carrie!

Bruce Walter told us so many great things about you!

Oct 17, 2015 08:10 AM
Bruce Walter

Inna Ivchenko if you ever refer a client to Indiana, Carrie Johnston is the go to lender who can help them with their financing!

Oct 17, 2015 08:23 AM
Christine Donovan
Donovan Blatt Realty - Costa Mesa, CA
Broker/Attorney 714-319-9751 DRE01267479 - Costa M

Carrie - I think that we'll see that TRID will cause some issues as we all get used to it, and having a good loan officer will be more important than usual.

Oct 29, 2015 04:52 PM
Christine Donovan
Donovan Blatt Realty - Costa Mesa, CA
Broker/Attorney 714-319-9751 DRE01267479 - Costa M

Carrie - Welcome to the ActiveRain community, and congrats on your first post here in the Rain.

Oct 29, 2015 04:52 PM
Christine Donovan
Donovan Blatt Realty - Costa Mesa, CA
Broker/Attorney 714-319-9751 DRE01267479 - Costa M

Please know that the ambassadors, those of us with the orange badges, are here  to help if you have questions as you get started in the Rain or even later on.

Oct 29, 2015 04:53 PM
Bob "RealMan" Timm
Ward County Notary Services - Minot, ND
Owner of Ward Co Notary Services retired RE Broker

I remember when the banking laws before TRID came along we thought "what a pain in the assests" so I'm thinking OK, we will survive this (TRID) but whats next Carrie Johnston .

Nov 05, 2015 10:13 AM