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Indianapolis Neighborhood Housing Partnership

Rent-focused mortgage lending

It’s not uncommon for renters to begin exploring homeownership only to be stopped by their credit challenges. Even if they are committed to paying their rent bill each month, people can get stuck in long-term rental situations because of their imperfect credit.

At INHP, we are determined to find innovative ways to help families reach their goals, especially when we know there are successful renters who are capable of being successful homeowners when given the opportunity.

Our rent-focused mortgage lending program addresses this barrier. INHP’s lending team can assess a mortgage applicant’s rental history, while factoring in the extent of other financial barriers, to better understand the applicant’s situation and determine if homeownership may be a sustainable option for them. Having two years of positive rental payment history could mean this lending option is right for you. 

If you’re an aspiring homeowner who can demonstrate rent is a priority in your budget, connect with an INHP staff member. It may be the step forward you are seeking in your homeownership journey. 


  • 24 consecutive months of on-time rental payments
  • Minimum 550 credit score
  • Household income below 120% of Area Median Income (AMI)
  • 3% down payment
  • Home must be in Marion County

Register here to get connected to a homeownership expert at INHP to see if you qualify.

INHP offices closed in
observance of Thanksgiving

All INHP office locations will be closed starting at 2 p.m., Wednesday, Nov. 25, through Friday, Nov. 26. We will resume normal hours of operation at 8:30 a.m., Monday, Nov. 29, 2021.


All online services are still available, including:

  • Completing a registration form for INHP home purchase/repair programs
  • Enrolling in a virtual/in-person education class
  • Completing an online education course

INHP will respond to any inquiries or form submissions made via our website or email system in the order they were received after we reopen. 



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