Ohio Mortgage Services30+ Towns Across 2 Counties
From Cleveland's revitalized neighborhoods to Columbus's thriving tech corridor, we provide personalized mortgage solutions across Cuyahoga and Franklin Counties.
Serving 2 Premier Ohio Counties
From Cleveland's lakefront neighborhoods to Columbus's dynamic suburbs, we provide expert mortgage guidance across Ohio's most vibrant communities.
Cuyahoga County
Greater Cleveland area featuring diverse neighborhoods from downtown lofts to lakefront estates. Strong job market with healthcare, manufacturing, and tech sectors. Top-rated schools and cultural attractions.
Franklin County
Columbus metro area with thriving economy, Ohio State University, and rapidly growing tech scene. Family-friendly suburbs with excellent schools, parks, and downtown revitalization.
Popular Ohio Cities We Serve
Discover exceptional value from Cleveland's historic neighborhoods to Columbus's booming tech suburbs.
Shaker Heights
Historic architecture, top schools
Westlake
Family-friendly, lakefront access
Rocky River
Riverside parks, strong community
Bay Village
Lake Erie beaches, small-town charm
Upper Arlington
Elite schools, OSU proximity
Dublin
Tech corridor, Bridge Park district
New Albany
Luxury planned community, top ratings
Grandview Heights
Walkable, boutique shopping, young professionals
Lakewood
Vibrant downtown, affordability
Cleveland Heights
Arts scene, diverse neighborhoods
Bexley
Historic charm, downtown Columbus access
Worthington
Award-winning schools, community events
Ohio Mortgage Programs
Comprehensive financing solutions tailored to Ohio homebuyers and homeowners.
Conventional Loans
Flexible financing for Ohio homebuyers with competitive rates and low down payment options.
FHA Loans
Perfect for first-time buyers in Cleveland and Columbus areas with as little as 3.5% down.
VA Loans
Zero down payment options for veterans and military families across Ohio.
Jumbo Loans
Financing for luxury properties in New Albany, Upper Arlington, and premier Ohio neighborhoods.
Refinance
Lower your monthly payment or access your home equity with Ohio refinancing solutions.
203(k) Renovation
Transform older Ohio homes into your dream property with renovation financing.
Why Buy a Home in Ohio?
Exceptional Affordability
Ohio offers 40-60% lower home prices compared to coastal markets, with median prices ranging from $150K-$650K. Your dollar goes significantly further here.
World-Class Healthcare
Home to Cleveland Clinic (ranked #2 nationally), Nationwide Children's Hospital, and Ohio State University Wexner Medical Center. Healthcare jobs drive economic stability.
Thriving Job Market
Columbus is one of the fastest-growing tech hubs in the Midwest. Cleveland excels in healthcare, manufacturing, and biotech. Low unemployment and diverse opportunities.
Top Universities
Ohio State University (60,000+ students), Case Western Reserve, University of Cincinnati, and more create vibrant college towns and educated workforce.
Lifestyle Diversity
From Lake Erie beaches to Cuyahoga Valley National Park, from urban lofts to suburban estates. Four distinct seasons, pro sports (Browns, Cavaliers, Blue Jackets), and cultural attractions.
Tax Benefits
No state income tax on Social Security benefits. Moderate property taxes averaging 1.4-1.8%. Lower cost of living allows for greater savings and investment.
Frequently Asked Questions
What cities in Ohio do you serve?
We serve 30+ cities across Cuyahoga and Franklin Counties, including Cleveland, Columbus, Shaker Heights, Dublin, Upper Arlington, New Albany, Westlake, Rocky River, Lakewood, Bexley, and many more.
What is the median home price in Ohio counties?
Median home prices vary by county: Cuyahoga County ranges from $150K to $750K, while Franklin County ranges from $180K to $650K. Luxury areas like New Albany and Upper Arlington command higher prices, while cities like Cleveland Heights and Lakewood offer more affordable options.
What loan programs are available for Ohio homebuyers?
We offer Conventional, FHA (3.5% down), VA (0% down for veterans), USDA, Jumbo loans, refinancing, HELOC, 203(k) renovation loans, HomeReady, Home Possible, and more. First-time buyers have access to down payment assistance programs.
Why should I buy a home in Ohio?
Ohio offers exceptional affordability compared to coastal markets, strong job growth in healthcare and tech sectors, no state income tax on Social Security benefits, world-class healthcare (Cleveland Clinic), top universities (Ohio State), and diverse neighborhoods from urban lofts to lakefront estates.
How long does it take to get approved for an Ohio mortgage?
Pre-approval typically takes 24-48 hours with complete documentation. Full mortgage approval usually takes 30-45 days from application to closing, though this can vary based on loan type and property specifics.
What credit score do I need to buy a home in Ohio?
Minimum credit scores vary by loan type: FHA loans require 580+, Conventional loans typically 620+, VA loans 580-620+, and Jumbo loans 700+. Lower scores may qualify with larger down payments or specific programs.
Can I buy a home in Ohio with no money down?
Yes! VA loans offer 0% down for eligible veterans and military families. USDA loans also offer 0% down for qualifying rural and suburban areas. First-time buyers may access down payment assistance programs that reduce upfront costs significantly.
What are property taxes like in Ohio?
Ohio property taxes are moderate, averaging 1.4-1.8% of home value annually. Cuyahoga County averages around 2.3%, while Franklin County is approximately 1.7%. Taxes vary by school district and municipality.
Should I refinance my Ohio home?
Refinancing makes sense if you can lower your rate by 0.5-1% or more, want to switch from an ARM to a fixed-rate mortgage, need to access home equity for renovations or debt consolidation, or want to remove PMI. We offer free refinance consultations.
How do I get started with an Ohio mortgage?
Start with a free pre-approval consultation. Call (908) 698-0150 or visit our contact page. We will review your financial situation, discuss loan options, and provide a pre-approval letter typically within 24-48 hours.
Ready to Buy Your Ohio Home?
Get pre-approved in 24-48 hours and start your journey to homeownership in Cleveland, Columbus, or surrounding areas.
Serving 30+ towns across Cuyahoga and Franklin Counties with personalized mortgage solutions.