Skip to Content
Welcome to 1st Source Bank! Our system detects the security of your connection is outdated. Please do not enter any confidential information on our site until you upgrade your browser to its latest version. Out-of-date browser software provides an opportunity for scams and could expose your financial data to fraud. 1st Source values the safety and security of our clients' accounts and information.
 
Should you have any questions or continue to have an issue, please contact our Customer Service Center at (574) 235-2000 or (800) 513-2360. Thank you for your cooperation and patience.
 
Our system cannot verify the security of your device. Please click here to try a page refresh. If you continue to get this message, please do not enter any confidential information on our site. 1st Source values the safety and security of our clients' accounts and information.
 
Should you have any questions or continue to have an issue, please contact our Customer Service Center at (574) 235-2000 or (800) 513-2360. Thank you for your cooperation and patience.
Welcome to 1st Source Bank! Your Internet Explorer browser is viewing our site in "Compatibility Mode". To properly view our site, we ask to follow these four simple steps to remove 1stsource.com from Compatibility View. This should take only a minute to resolve.

Should you continue to have an issue, please contact our Customer Service Center at (574) 235-2000 or (800) 513-2360. Thank you for your cooperation and patience.
Welcome to 1st Source Bank. To avoid feature functionally loss on 1stsource.com, potential interruption to your online banking and to assure better protection of your device, update the browser you are using as soon as possible. Out-of-date browser software provides an opportunity for scams and could expose your financial data to fraud. 1st Source values the safety and security of our clients' accounts.

For security reasons, we could soon disable access to 1st Source Online Banking for anyone using an out of date browser. Update your Internet browser today. For instructions on how to perform the update contact a reputable computer professional for assistance.

If you require immediate access, you may use this InfoSource Online Banking link to login.
1st Source Bank Home
Sign In To Online Banking
  • 1st Source Bank Home
  • Sign In To Online Banking
  • Locations
  • Contact Us
  • Help
  • Personal
    • Personal Online/Mobile
      Personal Online Banking
      • Sign up for Online Banking ⇨
      • Bill Payment
      • e-Statements
      • Zelle®
      • Money Management
      • Bank-to-Bank Transfer
      • Quicken Direct Connect
      • Shared Access
      • Spanish Option
      Access Your Accounts
      Mobile Banking
      • Personal Mobile App
      • Smartwatch App
      • Text Banking
      • Voice Banking
      Alexa
      Card Control
      Digital Wallet
      • Mastercard Click to Pay
      Online/Mobile Advice
      • Website Password Strategies
      • Common Phone Scams
      • Understanding Basics on Mobile Payments
      Online/Mobile Help
      • How to Register for Mobile?
      • How to Make a Mobile Deposit
      • Need Help Logging In?
    • 1st Source Bank Personal Checking
      Our Checking Accounts
      • Your Account Options
      • Personal Checking Help
      • What's My Routing Number?
      • Reorder Checks
      • Private Banking
      1st Source Bank Personal Overdraft Services
      • Debit and ATM Card Overdraft Choice
      • Overdraft Transfer Service
      • Carefree Line of Credit
      Related Services
      • Debit Card/ATM Card
      • Identity Theft Protection
      • Online/Mobile Banking
      Checking Advice
      • How to Switch to 1st Source
      • Intro to Online Billpay
      • Avoiding NSF & Overdraft Fees
    • Personal Savings
      Savings Accounts
      • EveryDay Interest Savings Account
      • e-Student Savings Account
      • Holiday Savings Account
      • Portfolio Savings Account
      • Savings Transfers
      Certificates of Deposit
      • Apply for a CD Now ⇨
      Individual Retirement Account (IRA)
      • Open an IRA Now ⇨
      Health Savings Account (HSA)
      • Open an HSA Now ⇨
      Savings Advice
      • Personal Savings Laddering Strategies for CDs
      • Build Savings with Direct Deposit
      • Personal Advice Building a Rainy Day Fund
      • Personal Advice Budgeting a Savings Plan
      Personal Savings Help
      • What are the Transaction Limits?
    • 1st Source Bank Personal Loans
      Consumer Loans
      • Apply for a Loan ⇨
      • Auto Loans
      • Consumer Personal Loans
      • Home Equity Line of Credit
      • Home Equity Term Loan
      • Home Improvement Loans
      • Credit Builder Loan
      1st Source Bank Personal Consumer Credit Cards
      • 1st Source Bank Apply for a Credit Card ⇨
      • 1st Source Bank Online Access
      Auto Loan Calculators
      • Personal Compare Two Vehicle Loans
      • Calculate a Vehicle Payment
      • Vehicle Affordability by Term
      Personal Loan Calculators
      • Personal Low Rate or Cash Back?
      • Transfer Credit Card Balances
      • Save or Pay Off Debt?
      • Make Bi-Weekly Payments
      1st Source Bank Personal Loan Advice
      • Credit & Debit Management
      • Credit and Debt Calculators
      • Our Calculate a Mortgage Payment
      • Calculate a Vehicle Payment
      Loan Help
      • Lower a new loan rate
      • How to make loan payments
      • Our minimum loan amounts
    • Personal Mortgage
      Personal Mortgage Loans
      • Apply for a Mortgage ⇨
      • Check Application Status ⇨
      • Personal Home Equity Line of Credit (HELOC)
      • Home Equity Term Loan
      • Refinancing
      Meet Our Team
      Mortgage Advice
      Home on Time Planner
      Homebuyer's Guide
      • Mortgage Basics
      • Getting Pre-Approved
      • Finding a Home
      • Making an Offer
      • Insuring Your Home
      • Closing Your Loan
      • Determine How Much You Can Afford
      Mortgage Calculators
      • Calculate Mortgage Payment
      • Compare Two Mortgage Loans
      • Personal Home Affordability
      Home Equity Calculators
      • Equity Loan or Line of Credit
      • Consolidating Debt with Home Equity
    • Wealth Management Investments/Planning
      Wealth Management
      • Estate and Tax Planning
      • Trust and Estate Administration
      • Investment Management
      • Philanthropic Services
      • Private Banking
      • Here for you in Florida
      Personal-Investment Manage Your Accounts
      • Learn More About Wealth Advisory Online
      • Access Wealth Advisory Online
      Investing
      • Overview of Services: 1st Source Asset Advisors
      • Meet Our Financial Consultants
      • Manage Your Accounts
      • Guided Wealth Portfolios | Sophisticated Online Platform
    • 1st Source Bank Personal Insurance
      Property / Casualty
      • Get an Insurance Quote ⇨
      • Property Casualty and Personal Insurance
      • Car & Automobile Insurance
      • Homeowners Insurance
      Life Insurance
      • Get a Life Insurance Quote ⇨
      Insurance Advice
      • 1st Source Insurance Locations
      • Why Choose 1st Source
      Insurance Help
      • Report a Claim
    • Security
  • Business
    • Business Treasury Services
      1st Source Bank's Business Treasury Services
      Online and Mobile Banking
      Payment Services
      Deposit Services
      Merchant Card Services
      • PCI Compliance Management Program
      Business Fraud Protection
    • 1st Source Bank's Business Checking
      Business Checking Accounts
      • Business Value Checking
      • Business Business Checking
      • Business Checking with Interest
      • Business Analysis Checking
      • Community Not-for-Profit Checking
      Business Debit Card
      • CardValet®
      Business Checking Overdraft Services
      Business Checking Advice
      1st Source Bank Business Checking Help
      • What's my routing number?
      • How do I reorder checks?
    • 1st Source Bank's Business Loans
      Business Loans
      • Financing Options
      • SBA Loans
      • I would like a Business Banker to contact me
      Leasing
      • Leasing Benefits
      Business Credit Card
      • Apply for a Credit Card ⇨
      • Online Access
      Business Loan Advice
      1st Source Bank Business Loans Help
    • 1st Source Bank Business Specialty Financing
      More detail on Business Specialty Financing
      • Aircraft and Helicopter
      • Auto and Light Truck
      • Construction Equipment
      • Environmental Equipment
      • Shuttle & Luxury Bus
      • Step Vans
      • Funeral Cars
      • Commercial Lessor
      • Heavy and Medium Duty Truck
      • Motorcoach
    • Industry Expertise
      Industry Solutions
      • Ag Banking
      • Healthcare
      • Non-Profit Businesses
      • Solar Financing
      • Women's Financial Group
    • Our Business Insurance
      Business Business and Commercial Insurance
      • Business Commercial Insurance
      • Business Insurance Employee Benefits
      • Business Risk Management and Loss Control
      Advice and Planning
      • Personal Why Choose 1st Source Insurance
      Business Insurance Help
      • Personal Claim Reporting
      Business Insurance Links
      • Client Connect
      • Indiana Department of Insurance
      • Insurance Information Institute
    • 1st Source Bank Retirement Plan Services
      Business Retirement Plan Services
      • Business Retirement Plans
      • Business Business Retirement Plan Services
      • Business Why Choose Us
    • Beneficial Ownership Rule
  • Advice
    • Financial Education
    • 1st Source Personal Personal Advice
      Advice for Family Finances
      • Personal Identity Protection
      • Kids Money
      Credit and Debt
      • Credit Help
      • Debt Counseling
      Personal Money Management Money Management
      • Improve Your Finances
      • Create a Budget
      • Build your Savings
      • Pay Off Debt
      Workplace Finances
      • Personal Advice Employee Benefits
      • Paycheck Planning
      • Retirement Plans
      Home Ownership
      • Buying a Home
      • Advice for Mortgage
      • Home Equity
      • Refinancing
      Paying for College
      • Saving
      • Financing
      • Repaying Student Loans
      1st Source Bank Retirement
      • Saving for Retirement
      • Social Security
      • Living in Retirement
      Advice Security Center
    • Personal Calculators
      Credit and Debit Tools
      • Calculate Your Vehicle Payment
      • Advice Low Rate or Cash Back?
      • Compare Vehicle Loans by Term
      • Compare & Calculate Two Vehicle Loans
      • Are Credit Card Balance Transfers Worth It?
      • Debt Consolidation
      • How Long Will it Take to Pay Off a Credit Card?
      Family Finance Tools
      Home Ownership Tools
      • Calculate a Mortgage Payment
      • Buying a Home Home Affordability
      • Compare Two Mortgage Loans
      • Adjustable Rate Mortgage Analyzer
      Retirement Tools
      • How Long Will my Retirement Savings Last?
      • 401(k) Calculator
      • Retirement Income Estimator
      • Estimate Social Security Benefits
      Managing Money Tools
      • The Impact of Saving More
      Paying for College Tools
      • Save for College
    • Business Advice
      Run A Business
      • Insurance for Your Business
      • Communications and Work Anywhere
      • Managing Healthcare
      • Human Resource Solutions
      • Legal Resources
      • Running Your Office
      • SBA/Government Resources
      • Setting Up Your Business
      • Business Travel
      • Veteran Assistance
      Managing My Finances
      • Getting Capital
      • Exiting Your Business
      • Payroll Options
      • Optimizing Cash Flow
      • Bank Anywhere
      • Managing Your Financials
      Growing My Business
      • Providing Customer Service
      • Direct Selling Solutions
      • Selling Internationally
      • Branding & Product Marketing
      • Internet Marketing
      Industry Resources
      • Accounting
      • Construction
      • Dental
      • Legal
      • Medical
      • Retail
      • Real Estate
      Protecting My Business
      • IT Theft, ACH Fraud, & Tips
      Business Columns/Blogs
      • Business Finance
      • General Small Business
      • Technology & Social Media
      • Women in Business
    • Advice Business Calculators
      Business Calculators
      • Breakeven Analysis
      • Business Debt Consolidation
      • Business Valuation
      • Cash Flow Calculator
      • Commercial Loan
      • Debt Service Coverage
      • Equipment Buy vs. Lease
      • Financial Ratios
      • Inventory Analysis
      Financial Calculators
      • Like Kind Exchange
      • Profit Margin Calculator
      • Repo of Personal Property from a Deferred Payment Sale
      • Repo of Personal Property from an Installment Payment Sale
      • Repossession of Real Property
      • Working Capital Needs
      Business Worksheets
      • Business Plan Template
      • Income Statement Template (Excel)
      • Cash Flow Template (Excel)
      • Balance Sheet Template (Excel)
      • Budget Variance Template (Excel)
      • Start-up Expense Template (Excel)
      Company Intelligence
      Local Resources
  • About Us
    • Side-by-Side Banking
    • Locations
    • 1st Source Bank Career Opportunities
    • News
    • 1st Source Bank Community Involvement
      Community Leadership Award
      • Ernestine M. Raclin
      1st Source Success Stories
      • PEGGS: A Recipe For Survival
      • Autumn Law: Cheese Whiz Trucking to Success
      • The Jackson Drive
      • Copper Moon Coffee
      1st Source Foundation
    • Investor Relations
      Corporate Overview
      • Corporate Profile
      • Officers & Directors
      • Governance Documents
      • Committee Charting
      Stock Information
      • Stock Quotes
      • Historic Prices
      • Dividends
      SEC Filings
      • Documents
      • Annual Reports
      • Insider Filings
      • Institutional Ownership
      Investor Relations
      Financial Information
      • Financial Highlights
      • Financial Statements (As Reported)
      • Total Return Performance
      News & Market Data
      • Press Releases
      • Presentations
      Other Information
      • Information Request
      • Email Notification
      • FAQ
Finding a Home
You are here:
  1. Home
  2. Personal
  3. Personal Mortgage
  4. Homebuyer's Guide
  5. Finding a Home

Finding a Home

Now that you’ve obtained pre-approval for your mortgage, you are ready to begin searching for your dream home. Before you get started, it’s wise to make a list of your wants and needs. What’s the difference? Wants are things that you would like to have in a new house, but can survive without. Needs are things that you are not willing to compromise on.

Choosing where you want to live is another big decision when buying a house. Do you want to live in a neighborhood in town or would you rather locate in the suburbs? If you have children or are planning on starting a family, the school district you live in will be an important factor in your choice of neighborhoods.

All of these decisions point out the importance of determining your priorities from the beginning. Knowing what's most important to you in a home and location before you start window-shopping can save you loads of time. But remember, the "perfect" house is difficult to find. Decide where you are willing to compromise and where you're not.

Choosing a Realtor®

Most people who buy or sell a home use the services of a real estate agent. While you can purchase a home without a Realtor®, using one can simplify your search for the perfect home.

Here are some of the advantages to using a Realtor®.
  • Use MLS as a powerful search tool - About 90% of all homes for sale are listed on the MLS (multiple listing service) and a Realtor® has access to all of that information.
  • Help narrow your search - Give them your "wish list" and they will be able to narrow your search by zeroing in on the homes that meet your needs or, at least, come the closest. They know the area and its neighborhoods, and have access to all kinds of information.
  • Familiar with the community - Realtors® know real estate values, property taxes, utility costs, schools, municipal services, pending zoning changes, and more. If you have a question about any of these, your Relator® will find the answer for you.
  • Provide due diligence - Depending on the area, this may include inspections for termites, dry rot, asbestos, septic tank condition, faulty structure, etc. They will help you find qualified companies to carry out these inspections.
  • Help with transaction - Your Realtor® will help you through the complicated transaction including negotiation of the price. They will make sure that everything is ready for closing and will work with the mortgage company to set up appointments.
Real estate agents provide a very valuable service when buying or selling a home, but there are some very important points you need to remember. The agent that shows you prospective properties is, most likely, the seller's "fiduciary." This means the home is listed by them and they must act in the best interest of the seller, not you. That relationship becomes very important when you enter into the negotiating process.

For example, you've made no secret of your enthusiasm for a particular home, the agent is bound to communicate that to the seller. If, on the other hand, the seller has told the Realtor® how low they are willing to drop the price, the agent is under no obligation to tell you and will not offer the information. Who the agent represents though, is not as important as their business ethics. They are not out to cheat anyone and they hope your experience is positive so you will use their services in the future.

The very best way to find an agent is to ask your friends, relatives, neighbors, and co-workers. They may have first hand knowledge of Realtors® they've worked with in the past and can share their experience with you.
Apply Now
This will require you to create an account and login credentials.
Application Status
Log in to see the progress of your application.
 
Homebuyer's Guide
  • Mortgage loan checklist
  • Mortgage basics
  • How much house can you afford?
  • Getting Pre-Approved
  • Finding a home
  • Making an offer
  • Insuring your home
  • Closing your loan
Customer Service
  • Need Help?
    • Chat Now
    • Call 800-513-2360
  • 1st Source Bank FAQ
  • Online / Mobile Banking
  • Lost / Stolen Card or Fraud
  • Reorder Checks
Personal Banking
  • Personal Checking
  • Consumer Loans
  • Mortgage Loans
  • Personal Insurance Coverage
Electronic Services
  • Log in to Online Banking
  • Mobile/Text Banking
  • Text Banking and Alerts
  • Online / Mobile Enrollment
  • Business Banking Online
Sound Advice
  • 1st Source Bank Personal Advice
  • Small Business Advice
About Us
  • Jobs and Career Opportunities
  • Latest News
  • Branch Locations
  • Investor Relations
Other Info
  • 1st Source Security Center
  • Customer Privacy
  • 1st Source Bank Disclosures
  • 1st Source Bank Terms of Use
  • Sitemap
Routing Number: 071212128
Copyright 1999 - 2023
1st Source Bank
 | 
All Rights Reserved
Equal Housing Lender
NMLSR #645641
Connect with us