YOUR NEXT HOME
APPROVED BY FROST
YOUR NEXT HOME
APPROVED BY FROST (M)
Nicholas Frost with Approved Mortgage provides trusted guidance, personalized service, and
tailored mortgage solutions making your home financing journey simple, smooth, and stress-free.
YOUR NEXT HOME
APPROVED BY FROST
YOUR NEXT HOME
APPROVED BY FROST
Nicholas Frost with Approved Mortgage provides trusted guidance, personalized service, and tailored mortgage solutions making your home financing journey simple, smooth, and stress-free.
I've Got Your Back
Buy with confidence. Refinance with ease. I offer mortgage solutions you can trust without the stress.
Trusted Guidance
As my clients will tell you, I provide honest and proven advice to place you in the right loan program based on your unique financial situation.
Simplified Mortgage Process
Feeling overwhelmed? I’ll cut through any confusion and create a simple, stress-free, and streamlined mortgage process.
Local Market Expertise
Being a local mortgage expert in Indianapolis means I know how to navigate the ins and outs of the Indiana market — so you don’t have to.
Responsive & Client-Focused
From the initial process to your closing day, you can count on quick communication and full transparency—because you deserve to know what’s going on at every step.
ABOUT ME
NICHOLAS FROST
Mortgage Advisor NMLS# 2606691
I'm a Christian, husband, father, and mortgage advisor who understands just how personal and overwhelming the homebuying process can feel.
Over the past decade, my wife and I have moved several times. We've experienced the highs and lows of buying homes, navigating paperwork, packing up our lives, and starting fresh. I know firsthand how stressful and uncertain it can be — especially when communication is lacking and things feel out of your control.
That’s why I’m committed to giving my clients a better mortgage experience. I prioritize clear communication, fast responses, and a personalized approach designed to reduce stress and build confidence. My goal is to make financing your home feel simple, smooth, and streamlined, so you can focus on the excitement of your first or next move.
When you're Approved by Frost, you're ready to move forward with clarity and peace of mind.
CHOOSE YOUR LOAN PROGRAM
I proudly offer loan programs that make homeownership easier and more accessible.
Conventional Loans
Ideal for borrowers with strong credit profiles.
Competitive interest rates
Flexible down payment options
No private mortgage insurance (PMI) required with a 20% down payment
FHA Loans
Designed for first-time homebuyers or those with less-than-perfect credit
Low down payment requirements (as low as 3.5%)
More lenient credit score criteria
Government-backed insurance, reducing lender risk
USDA Loans
Designed for first-time homebuyers or those with less-than-perfect credit
No down payment required
Low mortgage insurance costs
Competitive rates for qualifying areas
VA Loans
Exclusive for veterans, active-duty members, and eligible military
No down payment needed
No PMI
Favorable rates and terms
Jumbo Loans
For financing high-value properties above standard loan limits
Higher loan amounts
Competitive jumbo rates
Designed for financially strong borrowers
Refinance Loans
Update your existing mortgage for better terms
Lower interest rate potential
Cash-out options available
Shorten loan term or reduce payment
I've Got Your Back
Buy with confidence. Refinance with ease. I offer mortgage solutions you can trust without the stress.
Trusted Guidance
As my clients will tell you, I provide honest and proven advice to place you in the right loan program based on your unique financial situation.
Simplified Mortgage Process
Feeling overwhelmed? I’ll cut through any confusion and create a simple, stress-free, and streamlined mortgage process.
Local Market Expertise
Being a local mortgage expert in Indianapolis means I know how to navigate the ins and outs of the Indiana market — so you don’t have to.
Responsive & Client-Focused
From the initial process to your closing day, you can count on quick communication and full transparency—because you deserve to know what’s going on at every step.
ABOUT ME
NICHOLAS FROST
Mortgage Advisor NMLS# 2606691
I'm a Christian, husband, father, and mortgage advisor who understands just how personal and overwhelming the homebuying process can feel.
Over the past decade, my wife and I have moved several times. We've experienced the highs and lows of buying homes, navigating paperwork, packing up our lives, and starting fresh. I know firsthand how stressful and uncertain it can be — especially when communication is lacking and things feel out of your control.
That’s why I’m committed to giving my clients a better mortgage experience. I prioritize clear communication, fast responses, and a personalized approach designed to reduce stress and build confidence. My goal is to make financing your home feel simple, smooth, and streamlined, so you can focus on the excitement of your first or next move.
When you're Approved by Frost, you're ready to move forward with clarity and peace of mind.
CHOOSE YOUR LOAN PROGRAM
I proudly offer loan programs that make homeownership easier and more accessible.
Conventional Loans
Ideal for borrowers with strong credit profiles.
Competitive interest rates
Flexible down payment options
No private mortgage insurance (PMI) required with a 20% down payment
FHA Loans
Designed for first-time homebuyers or those with less-than-perfect credit
Low down payment requirements (as low as 3.5%)
More lenient credit score criteria
Government-backed insurance, reducing lender risk
USDA Loans
Designed for first-time homebuyers or those with less-than-perfect credit
No down payment required
Low mortgage insurance costs
Competitive rates for qualifying areas
VA Loans
Exclusive for veterans, active-duty members, and eligible military
No down payment needed
No PMI
Favorable rates and terms
Jumbo Loans
For financing high-value properties above standard loan limits
Higher loan amounts
Competitive jumbo rates
Designed for financially strong borrowers
Refinance Loans
Update your existing mortgage for better terms
Lower interest rate potential
Cash-out options available
Shorten loan term or reduce payment
WHAT MY CLIENTS
ARE SAYING
WHAT MY CLIENTS
ARE SAYING
Q&A with Nich Frost
1.) What types of mortgage loans do you offer?
We offer a variety of loans including conventional, FHA, USDA, VA, jumbo loans, bank statement loans, refinancing options, and other specialty type loan programs. The best choice depends on your unique financial situation.
2.) How much can I borrow based on my income and credit?
Loan amounts depend on your income, credit score, debt-to-income ratio (DTI), and the type of loan you choose. We can help estimate your borrowing power when you fill out an application or book a call.
3.) What credit score do I need to qualify for a loan?
Credit score requirements vary by loan type. Some loans require a minimum or 580 or 620, while others may have more flexible guidelines.
4.) How much down payment is required? Are there low or no down payment options?
Down payments range from 0% to 20% or more depending on the loan program. There are down payment assistance (DPA) loans and low down payment loan options as well.
5.) What are the current mortgage interest rates?
Rates change daily based on the market and your personal credit profile. Contact us for the most up-to-date rates tailored to you.
107 N State Road 135 Ste 301 Greenwood, IN 46142
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107 N State Road 135 Ste 301 Greenwood, IN 46142
approvedbyfrost.com
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