A lot of realtors are also brokers. Brokers will be able to check multiple banks for the best rates/programs. You can also ask your broker about down payment assistance programs.

Your realtor will get a percentage of the sales price of the house (most likely paid by the seller). When they also work as your broker, they get another fee. This fee is usually paid by you through "points". The points determine the rate you will get.

Because a broker can easily look at rates for many banks at a time, you may still end up with a better rate. Even with the extra points.

If you decide to go through a bank directly, your realtor will still work with them to get you through closing.

If you look up IHCDA programs, you can find a list of some of the down payment assistance programs in Indiana. Some banks have their own down payment assistance programs.

Sorry this is super long. And that I'm making it longer by typing this.