About Eli Harmon
With over 8 years of experience in the financial services industry, I am passionate about helping individuals and families navigate the homebuying and refinancing process with confidence. As a Mortgage Loan Officer, I specialize in working with first-time homebuyers, veterans, and international clients—guiding them through what can often feel like a complex and overwhelming journey. I believe that homeownership should be accessible and understandable for everyone. My goal is to simplify the process, provide clear and consistent communication, and ensure my clients feel informed every step of the way. Having personally experienced buying and selling homes myself, I understand both the excitement and challenges that come with it, and I'm committed to making the experience as smooth and enjoyable as possible. Licensed in Illinois, Indiana, and Kentucky, I take pride in building lasting relationships within my community by educating and empowering clients long after the transaction is complete. Outside of work, I enjoy traveling and exploring new cultures and cuisines with my wife, spending time at home with our dogs, playing golf, and cooking.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
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Located at 252 W Main Street, Carmel IN, 46032
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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