Aaron C. Campbell, NMLS 134888  Phone: (317) 506-0886 Email: acampbell@spectrummtg.net
              John M. Dearth, NMLS 134885  Phone: (317) 506-3346              Email: jdearth@spectrummtg.net
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                              WELCOME TO SPECTRUM MORTGAGE SERVICES, LLC, NMLS ID 134866 Sample Image

Who we are, what we do
Spectrum Mortgage Services is a licensed mortgage broker located in Indianapolis, Indiana.  Co-owners Aaron Campbell and John M. Dearth have served thousands of customers since we were founded in 2003.  We serve the entire state of Indiana, and offer a full menu of mortgage programs for our customers.  We orginate Conventional, FHA, VA and USDA mortgage loans.  We are well positioned to offer competetive loan terms and costs.  Our services include both purchase and refinance transactions.  We strive to help our customer find the best options available for their mortgage needs.  NMLS ID 134866. 
Mortgage pre-approval

When entering the market for a new home, it is important to have a pre-approval in place.  Whether you are a first-time buyer, or purchasing your 2nd or 3rd home, a pre-approval tells the seller you are qualified, and have taken the necessary steps to secure mortgage financing.  We are happy to have a conversation to get you started on the path to pre-approval, or you may complete our online application to get the process moving forward.  There are many factors that go into a pre-approval, and our experienced and knowledgable team will be happy to guide you along the way.  
Rate quotes

If you are looking for a rate quote, it is best to speak directly with our team.  There are many factors that affect rate and cost, and getting the entire picture is helpful in delivering an accurate reflection of the interest rate and closing cost options.  If you prefer to request a quote online, please submit the requested information in our quick quote feature.
Easy and efficient process
Company Owners Aaron Campbell and John Dearth have over 50 years of combined experience in the mortgage industry.  We are involved in the process from start to finish, and are committed to offering personal service for each and every customer.  We work hard to ensure that you are well informed, and to make the process as easy as possible for you.  We are dedicated to facilitating a streamlined and efficient process, that enables you to get the service you need when purchasing a new home.  


Recent Articles

Apr
29
2026
One Score May No Longer Decide
For decades, getting approved for a mortgage has often come down to a single number. One score, generated by one dominant model, carried outsized weight in determining whether someone could buy a home. It didn’t matter if you paid your rent on time for years or never missed a utility...
Apr
23
2026
You’re Not Just Buying a Home—You’re Locking in a Financial Advantage
When most people think about a 30-year fixed mortgage, they focus on the rate. Is it high? Is it low? Should they wait? But that framing misses the bigger picture entirely. When you lock in a fixed-rate mortgage, you’re not just buying a home—you’re making a long-term...
Apr
20
2026
HELOC vs. Cash-Out Refinance: It’s Not About the Product—It’s About the Timing
When homeowners need access to cash, two options usually rise to the top: a HELOC or a cash-out refinance. On the surface, they solve the same problem. But how—and when—you use each one can make a meaningful difference in your financial outcome. The Case for a HELOC:...