Ohio Home Loan Programs
Types of Loans
Over 300 Products: Find The Right Loan for Every Buyer
We offer over 300 types of loans that will fit just about any budget! Find out about all our loans, refinance options and more. Owning a home is possible for you.
Check below for some of your options and call me if you have any questions!
937-427-9641
Conventional Loans in Ohio
Best for: buyers with steady income and good credit who want flexibility.
Conventional loans are the most common mortgage, and they’re more flexible than many people think.
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Low down payment options for qualified buyers
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Mortgage insurance can often be removed as you build equity
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Use for a primary home, second home or investment property
FHA Loans in Ohio
Best for: first-time buyers and anyone rebuilding credit.
FHA loans are backed by the federal government, which lets lenders offer easier qualifying and smaller down payments.
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Low down payment options
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More flexible credit guidelines
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Can be paired with down payment assistance programs
VA Loans in Ohio
Best for: veterans, active-duty service members and eligible surviving spouses.
You earned this benefit, and I’d be honored to help you use it.
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No down payment required for eligible borrowers*
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No monthly private mortgage insurance
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Purchase and refinance options, including cash-out
*Closing costs and fees may still apply.
USDA Loans in Ohio
Best for: buyers who want more space outside the big cities.
Much of Ohio qualifies for USDA financing, including many towns just outside Dayton, Columbus and Cincinnati. You don’t have to live on a farm, and you don’t have to be a first-time buyer.
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No down payment required for eligible borrowers*
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Designed for low- to moderate-income households
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Property must be in a USDA-eligible area (I’ll check any address for you)
*Closing costs and fees may still apply.
Jumbo Loans in Ohio
Best for: higher-priced homes above conforming loan limits.
Financing for luxury homes, second homes and investment properties, with fixed or adjustable rates and options for first-time and seasoned buyers.
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Primary residences, second homes and investment properties
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Fixed and adjustable rate options
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Cash-out refinance options available
Ask me about current loan amounts and credit requirements.
Renovation Loans in Ohio
Best for: buying a fixer-upper or updating the home you have.
Buy and renovate with one loan and one monthly payment. Conventional renovation programs (Fannie Mae and Freddie Mac) base the loan on the home’s value after improvements, so a dated house in a great neighborhood can become your dream home.
FHA 203(k) Renovation Loans
Best for: fixing up an older home, from a new roof to a finished basement.
Buy or refinance and roll the cost of repairs and upgrades into one FHA loan with a low down payment. The loan is based on the home’s value after the work is done, so you get your money’s worth for your renovations.
Repair limits and eligible projects vary by program. Ask me what fits your plans.