Start with a quick conversation

I’m Navaneet Dutt with True Home Lending, powered by Loan Factory. I shop 240+ lenders for your loan, show you the real numbers up front, and stay personally involved from your first question to closing day.

240+

lenders shopped

22

loan programs

4

states licensed

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Welcome to True Home Lending

Buying a home or refinancing the one you have is one of the biggest financial decisions you’ll make — and the mortgage you choose can save or cost you tens of thousands of dollars over its life. You deserve more than a rate quote from a stranger.

I’m a mortgage broker, which means I don’t work for one bank. I work for you. Through Loan Factory, I compare live pricing from more than 240 lenders, negotiate on your behalf, and match you with the loan that fits your goals — not the loan a single lender happens to be pushing this month. That model, plus transparent pricing and Loan Factory’s $2,000 Best Price Guarantee (terms apply — ask me for details), is how my clients get honest value instead of sales pressure.

Whether you’re a first-time buyer in Louisville, a veteran near Fort Knox, a self-employed borrower whose tax return doesn’t tell the whole story, or a homeowner who suspects your current rate is too high — talk to me first. I’ll run the numbers and tell you plainly if a loan makes sense, and just as plainly if it doesn’t.

Why borrowers choose True Home Lending

• 240+ lenders, one application. I shop the market so you don’t have to call bank after bank.
• Transparent pricing. Real-time rates from Loan Factory’s pricing engine — the same numbers I see.
• $2,000 Best Price Guarantee. If a competitor beats our best combination of rate and fees and we can’t match it, Loan Factory backs it up (terms and conditions apply).
• A person, not a portal. You talk to me — in English or Hindi — and I answer for your file personally.
• 25+ years in marketing and finance, an MBA from Indiana University’s Kelley School of Business, and an engineering degree from NC State. I like numbers, and I like explaining them clearly.

Begin your home loan process today

1. Answer a few questions. Two minutes with my quick-quote tool gives me your scenario — no obligation, no pressure.
2. See real options. I compare live pricing across 240+ lenders and walk you through the trade-offs: rate, fees, monthly payment, total cost.
3. Lock with confidence and close. When the right loan is clear, we lock it and I guide every step — appraisal, underwriting, closing — until you have the keys or the savings.

Popular loan programs

Conventional · FHA · VA · USDA · Jumbo · Bank Statement · DSCR · HELOC · Reverse Mortgage — and 13 more. See all loan programs →

Ready when you are

Call me at (502) 233-4197, email talktome@truehomelending.com, or start with a live rate quote. Hours: Mon–Fri 10:00 am – 5:00 pm · Sat 9:00 am – 12:00 pm (ET).