Ohio Home Loans
Buying a home is a major milestone, and finding the right home loan is crucial. We specialize in providing tailored financing solutions to help you purchase a home with confidence. Whether you’re a first-time homebuyer, looking to refinance, or exploring specialized programs like the OHFA Homebuyer Program, our experienced mortgage professionals are here to guide you every step of the way.
Why First-time Home Buyers in Ohio Choose Us?
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Competitive rates
We offer some of the most competitive mortgage rates in Ohio, making homeownership more affordable. Our expert loan officers work closely with you to find a lender that best suits your financial needs, ensuring you get the best possible terms.
A smooth loan process
Our loan application program makes securing a loan in Columbus or any other city in Ohio easy. Once you meet all the requirements, you’ll receive the funds needed for your new property without unnecessary delays.
Excellent customer service
Understanding Ohio home loans involves navigating housing finance, income, and purchase requirements. Our knowledgeable team provides free homebuyer education and personalized guidance to help you make informed decisions. We also assist qualified buyers with grants for grads, the Next Home Program, and OHFA homebuyer education courses to ensure a smooth home purchase.
Choose a Home Buying Program
Frequently Asked Questions
What are the current mortgage rates in Ohio?
As of April 2025, the average annual percentage rates (APR) for mortgages in Ohio are approximately 6.798% for a 30-year fixed-rate mortgage and 5.905% for a 15-year fixed-rate mortgage.
What is the easiest type of home loan to get?
FHA loans are generally considered easier to qualify for, especially for first-time homebuyers or those with lower credit scores. They allow for a down payment as low as 3.5% with a credit score of 580 or higher. ​
What credit score do you need to buy a house in Ohio?
The required credit score varies by loan type. For conventional loans, a minimum credit score of 620 is typically required. Keep in mind that individual lenders may have their own specific requirements.
How much money do you need for a down payment on a house in Ohio?
FHA loans require a minimum down payment of 3.5% with a credit score of 600 or higher. Conventional loans may require as little as 3% down. Additionally, Ohio offers down payment assistance programs.
What is the Ohio Housing Finance Agency? (OHFA)
It is a state agency that provides affordable housing programs, down payment assistance, and mortgage tax credits for eligible homebuyers in Ohio. OHFA offers various loan programs, including the OHFA Homebuyer Program, Grants for Grads, Ohio Heroes, and Next Home Program, which help first-time and repeat buyers with financing, closing costs, and interest rate assistance.
Let's Get Started
We will provide a free homebuyer consultation with one of our experienced mortgage professionals. Connect with a mortgage expert today to explore available financing options, mortgage tax credits, price limits, refinance programs, and more. If you’re purchasing a home in a target area or are eligible for OHFA loans, you may qualify for additional assistance.
Find a lender that fits your needs and start your journey to homeownership today. With us a home buyer can secure the right mortgage loans and confidently achieve their real estate goals.