Raymond J. Berger


Mobile: 317-590-3300
Fax: 317-713-4589
Email: rberger@firstib.com
NMLS #: 445953

8701 E 116th Street
Fishers, IN 46038

          About Me          

Easy process. Quick approvals. Exceptional service.

At First Internet Bank, our goal is to give you an extraordinary experience from start to finish:

  • Fast, easy and hassle-free process — to get you to the closing table as quickly as possible
  • Intuitive application and loan portal — to make it a breeze to share with us what we need to know

We’re committed to providing timely, attentive service when you need personalized attention…and state-of-the-art technology to lead you through the process if you’re the DIY type. It’s our way of giving you the best of both worlds. (Oh, and our rates aren’t too shabby either. Just sayin’.)

About me

As VP of Residential Mortgage Origination and Construction, I’m committed to serving the needs of homebuyers, Realtors and builders throughout Indiana. Drawing from more than 30 years of mortgage experience and community service, I provide personalized attention, expert guidance and efficient service. I’ve helped literally thousands of first-time homebuyers, and I’ll roll up my sleeves and work closely with you to provide the best experience possible — from start to finish.

About First Internet Bank

From our founding in 1999, First Internet Bank has been passionate about delivering the convenience of technology and unparalleled support to our customers in all 50 states. We’ve helped thousands of people like you achieve their dreams of homeownership. With competitive rates for mortgages and refinancing, low fees and a straight-forward process, our entire team is dedicated to serving you. We’ll guide and advise you — honestly, openly and without surprises — every step of the way.

First Internet Bank offers a variety of mortgage loan options including:

  • Construction to permanent loans
  • Piggyback second mortgage programs
  • Conventional, fixed-rate loans with as little as 5% down
  • Adjustable-rate loans
  • VA and FHA loans
  • Jumbo loans with as little as 10% down
  • Home equity loans and lines of credit

When you work with the First Internet Bank Construction Lending team, you always get the advantage of:

  • Local appraisers
  • Timely, local processing, underwriting and closing
  • Responsive, local draw disbursements

Don't just take my word for it

"Ray and team were amazing from the very beginning. Ray explained every single piece to us and that made us feel comfortable and confident when making our largest purchase in life to date. We trust him and appreciate his guidance."- Jorja, Social Survey review
"Ray and his team went above and beyond to make our loan experience exceptional. Between the challenges of the covid19 pandemic, being in different time zones and working with a maturing construction loan, Ray was able to keep us on schedule and get our loan finalized seamlessly. Not only would I use Ray again but I would highly recommend Ray and FirstIB to all of my family and friends."- Brett, Social Survey review
"Ray does a fantastic job with communication and making sure you understand all your options. I would recommend him to anyone. Thanks Ray!"- Daniel, Social Survey review
"Ray worked to get me the best rates, very responsive and knowledgeable. It was my first construction loan and he was a big help."- Mark, Social Survey review

Resources, insights and information.


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Loan Options
First Internet Bank offers a variety of mortgage loan programs with competitive interest rates. GET DETAILS

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