Heritage Lending Group Inc

Your Trusted Mortgage Partner

Heritage Lending Group Inc. is an independent mortgage broker
committed to helping clients find the right financing solution. We don’t
work for a bank — we work for you. By partnering with multiple lenders,
we provide access to competitive rates, flexible loan options, and clear
guidance from application through closing. Whether you’re a first-time
buyer or an experienced investor, we make the mortgage process
straightforward and stress-free.

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Helping You Find the Right Home Loan—With Confidence

At Heritage Lending Group Inc., we believe a mortgage should support your long-term financial
goals—not complicate them. Founded by Indianapolis native Durrell Cullens, our firm is built
on experience, transparency, and a client-first approach to home financing.

With a strong background in banking, finance, and lending, Durrell brings a strategic perspective
to every loan. Having worked across multiple areas of finance—including mortgages,
investments, and small business—he understands that no two borrowers are alike. That’s why
Heritage Lending Group focuses on personalized solutions instead of one-size-fits-all loans.

As an independent mortgage broker, we partner with multiple lenders to help clients access
competitive rates, flexible programs, and clear guidance from start to finish. Whether you’re
purchasing your first home, refinancing, or planning your next move, our goal is to make the
mortgage process simple, transparent, and stress-free.

Why Clients Choose Heritage Lending Group

Independent mortgage broker — not tied to one bank
Access to multiple loan programs and lenders
Clear communication and education throughout the process
Personalized strategies for buyers, homeowners, and investors

Find the Right Loan for Your Needs

We offer a range of home loan solutions tailored to your financial goals, credit history, and future plans. Explore each option to find the right fit for you.

Conventional Loans

Conventional loans are a flexible mortgage option for buyers with solid credit and stable income. These loans are not government-backed and often offer competitive rates, multiple down payment options, and fewer property restrictions compared to other loan programs.

FHA Loans

FHA loans are designed to help buyers with limited down payment funds or less-than-perfect credit by offering more flexible qualifying guidelines than many conventional loan programs.

VA Loans

VA loans offer eligible veterans and service members a powerful home financing option with no down payment, no monthly mortgage insurance, and flexible qualifying guidelines.

Your Path to Homeownership Starts Here

Refinancing

Homeowners to replace their current mortgage with better terms, often lowering monthly payments or securing a lower interest rate. Our team guides you all available refinancing options.

Pre-Approval

Getting pre-approved gives you a clear picture of your buying power and strengthens your offer when purchasing a home. We simplify the pre-approval process with fast reviews and expert guidance.

First-Time Homebuyers

We provide tailored support and access to programs designed specifically for first-time homebuyers. From loan selection to closing, we ensure a smooth and confident path to homeownership.

Refinancing

Refinancing allows homeowners to replace their current mortgage with better terms, often lowering monthly payments or securing a lower interest rate. Our team guides you through all available refinancing options.

Pre-Approval

Getting pre-approved gives you a clear picture of your buying power and strengthens your offer when purchasing a home. We simplify the pre-approval process with fast reviews and expert guidance.

First-Time Homebuyers

We provide tailored support and access to programs designed specifically for first-time homebuyers. From loan selection to closing, we ensure a smooth and confident path to homeownership.