Daily Ohio Mortgage Rates for 9.23.20

30-Yr. Conventional

2.936%

-0.007

30 Day Range
2.904% - 2.943%

15-Yr. Conventional

2.485%

0.008

30 Day Range
2.435% - 2.552%

30-Yr. FHA

3.065%

0.008

30 Day Range
2.97% - 3.065%

30-Yr. VA

2.25%

0.010

30 Day Range
2.25% - 2.714%

*Calculated from actual locked rates with consumers across more than one-third of all mortgage transactions closed nationwide

Ready to see your rate? Give us a call at 800-599-1563. Not ready right now? Schedule an appointment with a licensed mortgage professional, or submit a Quick Quote.

We do Mortgages in Ohio

Ohio mortgages

We do Mortgages in Ohio. Call 800-599-1563 or fill out the form on this page for a mortgage quick quote. Its takes less than a minute to find out what you can afford.

Do you ever ask yourself, “How do I get a mortgage in Ohio?” or “Who will give me a home loan in Ohio?” Great News! You've found the answer with Moreira Team! We are mortgage brokers in Ohio.

The mortgage process can be tedious and the time it takes can really drag out. Moreira Team, a wholesale mortgage broker in Ohio, will help you get the mortgage you need at a price you can afford and in a timeline that makes sense. That’s right, we’ll make your Ohio mortgage fast and easy! There’s no need to babysit the process or figure out how everything is going to get done on time, we handle it all from start to finish. Your Ohio mortgage can't get any easier than this.

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Let’s face it. The traditional mortgage experience is brutal.

That is why we have made it our purpose, for more than a decade, to provide our clients with the best mortgage experience possible. We have the mortgage know-how and experience to make the home loan process “done-for-you”. Getting a mortgage with us is actually a lot easier than you might think, and we have programs available for every situation. We shop your loan with over 22 different lenders and banks to make sure we deliver on our promise to get you the best deal. That means you save money, get a lower rate, and spend less money out of pocket. Our guarantee is to provide you with a transparent and easy home buying experience, and our promise is to find you the best deal.

Here's a few easy steps to get started on your mortgage:

  • Step 1

    Analyze Your Goals

    Having a solid idea of your wants and needs is a great place to start. What are your home needs? What area do you want to live in? What is your current financial situation? What monthly payment are you conformable paying each month?
  • Step 2

    Have a Conversation

    Call 800-599-1563 to talk to a licensed mortgage advisor to get a custom strategy on how to make your home purchase a reality. A mortgage advisor will be able to tell you exactly how much home you can afford given your unique circumstances.
  • Step 3

    Get Approved Fast

    To get the mortgage process rolling you will want to get pre-approved. You can do this yourself by clicking below or a mortgage advisor can help you step-by-step right over the phone. It takes very little time and lets you know right away how much you are approved for. Get Your Quick QuoteGet Pre-Approved

Find Out How Much You Can Afford (and Save!) with Our Mortgage Calculators

A mortgage calculator can help you see how much mortgage you can afford on your home. It can also help you figure out how much you can save by exploring different down payment and term options. Below we have a mortgage calculator and an affordability calculator. Feel free to play around with some numbers. And if you have any questions or want to talk more about your options give us a call or schedule a time to talk with a licensed mortgage advisor.

Mortgage Calculator

  • Calculator
  • Schedule

Mortgage Details

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Down Payment / 20%

Interest Rate

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10 15 20 25 30

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Payment

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Principal & Interest

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Property Tax

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Homeowner's Insurance

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Ohio
Purchase Affordability Calculator

  • Purchase
  • Refinance

Annual Salary

Interest Rate

Loan Term

10 15 20 25 30

Monthly Debt

Property Taxes

Home Insurance

Maximum Monthly Payment (P&I Only)

$0

Maximum Monthly Payment (Total Payment)

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We do mortgages in these Ohio areas:

Cities in Franklin County where we do Mortgages:

  • Columbus
  • Grove City
  • Hilliard
  • Dublin
  • Westerville
  • Gahanna
  • Worthington
  • Groveport
  • Whitehall
  • Bexley
  • Upper Arlington
  • Obetz
  • Urbancrest
  • Grandview Heights
  • Lockbourne
  • Marble Cliff
  • Minerva Park
  • Valleyview
  • Brice
  • Riverlea
  • Lincoln Village
  • Blacklick Estates
  • Lake Darby
  • Huber Ridge
  • Darbydale
  • New Rome

Cities in Cuyahoga County where we do Mortgages:

  • Cleveland
  • Parma
  • Shaker Heights
  • Lakewood
  • Strongsville
  • Westlake
  • Rocky River
  • Solon
  • Chagrin Falls
  • Berea
  • Euclid
  • North Olmsted
  • North Royalton
  • Bay Village
  • Cleveland Heights
  • Beachwood
  • Broadview Heights
  • Garfield Heights
  • Bedford
  • Middleburg Heights
  • Independence
  • Cuyahoga Heights
  • Olmsted Falls
  • Lyndhurst
  • Maple Heights
  • Brook Park
  • Fairview Park
  • Mayfield Heights
  • South Euclid
  • East Cleveland
  • Gates Mills
  • Seven Hills
  • Pepper Pike
  • Moreland Hills
  • Walton Hills
  • Warrensville Heights
  • Parma Heights
  • University Heights
  • Brooklyn
  • Richmond Heights
  • Bedford Heights
  • Valley View
  • Mayfield
  • Highland Hills
  • Newburgh Heights
  • Highland Heights
  • Brooklyn Heights
  • Bratenahl
  • Orange
  • Linndale
  • Woodmere

Cities in Hamilton County where we do Mortgages:

  • Cincinnati
  • Harrison
  • Blue Ash
  • Norwood
  • Cleves
  • Montgomery
  • Springdale
  • Forest Park
  • Indian Hill
  • Wyoming
  • Madeira
  • Glendale
  • North College Hill
  • Mount Healthy
  • Terrace Park
  • Amberley
  • Cheviot
  • Delhi
  • Lockland
  • North Bend
  • Evendale
  • Mariemont
  • Saint Bernard
  • Reading
  • Newtown
  • Silverton
  • Lincoln Heights
  • Deer Park
  • Greenhills
  • Golf Manor
  • Elmwood Place
  • Addyston
  • Miamitown
  • Arlington Heights
  • Finneytown
  • Woodlawn
  • White Oak
  • Camp Dennison
  • Groesbeck
  • Kenwood
  • Covedale
  • Monfort Heights
  • Pleasant Run Farm
  • Sixteen Mile Stand
  • Delshire, Ohio
  • Highpoint
  • Mount Healthy Heights
  • New Haven
  • Blue Jay
  • Plainville
  • Fairfax

Cities in Summit County where we do Mortgages:

  • Akron
  • Cuyahoga Falls
  • Stow
  • Barberton
  • Hudson
  • Twinsburg
  • Fairlawn
  • Green
  • Macedonia
  • Norton
  • Northfield
  • Portage Lakes
  • Richfield
  • New Franklin
  • Clinton
  • Lakemore
  • Reminderville
  • Munroe Falls
  • Peninsula
  • Silver Lake
  • Boston Heights
  • Twinsburg Heights
  • Montrose-Ghent
  • Pigeon Creek

Cities in Montgomery County where we do Mortgages:

  • Dayton
  • Kettering
  • Miamisburg
  • Centerville
  • Vandalia
  • Trotwood
  • Moraine
  • Germantown
  • West Carrollton
  • Clayton
  • Englewood
  • Brookville
  • New Lebanon
  • Riverside
  • Farmersville
  • Northridge
  • Phillipsburg
  • Drexel
  • Woodbourne-Hyde Park
  • Fort McKinley
  • Shiloh

Cities in Lucas County where we do Mortgages:

  • Toledo
  • Sylvania
  • Maumee
  • Oregon
  • Waterville
  • Whitehouse
  • Holland
  • Ottawa Hills
  • Berkey
  • Harbor View
  • Neapolis

Cities in Butler County where we do Mortgages:

  • Hamilton
  • Fairfield
  • Oxford
  • Middletown
  • Trenton
  • Ross
  • New Miami
  • Millville
  • Seven Mile
  • Jacksonburg
  • Somerville
  • Beckett Ridge
  • Darrtown
  • Williamsdale
  • Wetherington
  • Olde West Chester
  • Four Bridges

Cities in Stark County where we do Mortgages:

  • Canton
  • Massillon
  • North Canton
  • Louisville
  • Hartville
  • Canal Fulton
  • Uniontown
  • Navarre
  • East Canton
  • Waynesburg
  • Meyers Lake
  • East Sparta
  • Beach City
  • Hills and Dales
  • Brewster
  • Greentown
  • Perry Heights
  • Wilmot
  • Limaville

Cities in Lorain County where we do Mortgages:

  • Lorain
  • Elyria
  • Avon
  • Amherst
  • North Ridgeville
  • Avon Lake
  • Oberlin
  • Grafton
  • Wellington
  • Sheffield Lake
  • Sheffield
  • Columbia Station
  • LaGrange
  • South Amherst
  • Amherst Township
  • Kipton
  • Eaton Estates
  • Rochester

Cities in Warren County where we do Mortgages:

  • Lebanon
  • Mason
  • Franklin
  • Maineville
  • Waynesville
  • Morrow
  • South Lebanon
  • Harveysburg
  • Pleasant Plain
  • Landen
  • Butlerville
  • Corwin
  • Five Points
  • Hunter

Cities in Lake County where we do Mortgages:

  • Mentor
  • Painesville
  • Willoughby
  • Kirtland
  • Madison
  • Eastlake
  • Perry
  • Wickliffe
  • Willowick
  • Fairport Harbor
  • Mentor-on-the-Lake
  • Willoughby Hills
  • Waite Hill
  • Grand River
  • Kirtland Hills
  • North Perry
  • Lakeline
  • Timberlake
  • North Madison

Cities in Mahoning County where we do Mortgages:

  • Youngstown
  • Boardman
  • Canfield
  • Austintown
  • Poland
  • Campbell
  • Sebring
  • Lowellville
  • Berlin Center
  • Struthers
  • North Lima
  • New Middletown
  • Beloit
  • Craig Beach
  • Maple Ridge

Cities in Delaware County where we do Mortgages:

  • Delaware
  • Powell
  • Sunbury
  • Galena
  • Ostrander
  • Kilbourne
  • Shawnee Hills
  • Ashley
  • Radnor

Cities in Clermont County where we do Mortgages:

  • Batavia
  • Amelia
  • Bethel
  • New Richmond
  • Owensville
  • Felicity
  • Williamsburg
  • Newtonsville
  • Withamsville
  • Mount Carmel
  • Moscow
  • Summerside
  • Chilo
  • Neville
  • Day Heights
  • Mount Repose
  • Mulberry

Cities in Trumbull County where we do Mortgages:

  • Warren
  • Niles
  • Cortland
  • Girard
  • Newton Falls
  • Brookfield Center
  • Howland Center
  • Hubbard
  • Lordstown
  • West Farmington
  • Masury
  • Leavittsburg
  • McDonald
  • Vienna Center
  • Orangeville
  • Yankee Lake
  • Bolindale
  • Churchill
  • Champion Heights
  • West Hill
  • Maplewood Park
  • South Canal

Cities in Medina County where we do Mortgages:

  • Medina
  • Brunswick
  • Wadsworth
  • Seville
  • Lodi
  • Chippewa Lake
  • Spencer
  • Westfield Center
  • Gloria Glens Park
  • River Styx

Cities in Licking County where we do Mortgages:

  • Newark
  • Pataskala
  • Granville
  • Heath
  • Johnstown
  • Hebron
  • Etna
  • Alexandria
  • Hartford
  • Kirkersville
  • Saint Louisville
  • Hanover
  • Brownsville
  • Beechwood Trails
  • Harbor Hills
  • Granville South
  • Marne

Cities in Greene County where we do Mortgages:

  • Xenia
  • Beavercreek
  • Fairborn
  • Yellow Springs
  • Bellbrook
  • Jamestown
  • Cedarville
  • Sugarcreek Township
  • Spring Valley
  • Wilberforce
  • Bowersville
  • Shawnee Hills

Cities in Portage County where we do Mortgages:

  • Ravenna
  • Kent
  • Streetsboro
  • Aurora
  • Garrettsville
  • Windham
  • Brimfield
  • Mantua
  • Atwater
  • Hiram
  • Brady Lake
  • Sugar Bush Knolls

Cities in Fairfield County where we do Mortgages:

  • Lancaster
  • Amanda
  • Baltimore
  • Millersport
  • Carroll
  • Bremen
  • Sugar Grove
  • Pleasantville
  • Rushville
  • Stoutsville
  • West Rushville
  • Thurston
  • Fairfield Beach

Cities in Clark County where we do Mortgages:

  • Springfield
  • New Carlisle
  • South Vienna
  • Enon
  • South Charleston
  • North Hampton
  • Donnelsville
  • Tremont City
  • Catawba
  • Park Layne
  • Northridge
  • Crystal Lakes
  • Lawrenceville
  • Green Meadows
  • Holiday Valley

Cities in Wood County where we do Mortgages:

  • Bowling Green
  • Perrysburg
  • Rossford
  • Northwood
  • North Baltimore
  • Weston
  • Wayne
  • Grand Rapids
  • Walbridge
  • Pemberville
  • Luckey
  • Millbury
  • Bradner
  • Bloomdale
  • Tontogany
  • Jerry City
  • Cygnet
  • Custar
  • Stony Ridge
  • Hoytville
  • Portage
  • Haskins
  • Rudolph
  • West Millgrove
  • Risingsun
  • Bairdstown
  • Milton Center

Cities in Richland County where we do Mortgages:

  • Mansfield
  • Shelby
  • Lexington
  • Ontario
  • Bellville
  • Shiloh
  • Butler
  • Lucas

Cities in Wayne County where we do Mortgages:

  • Wooster
  • Orrville
  • Smithville
  • Dalton
  • Doylestown
  • Shreve
  • West Salem
  • Apple Creek
  • Fredericksburg
  • Burbank
  • Marshallville
  • Mount Eaton
  • Congress

Cities in Miami County where we do Mortgages:

  • Troy
  • Piqua
  • Tipp City
  • Covington
  • West Milton
  • Casstown
  • Laura
  • Fletcher
  • Pleasant Hill
  • Ludlow Falls
  • Potsdam

Cities in Allen County where we do Mortgages:

  • Lima
  • Spencerville
  • Elida
  • Harrod
  • Beaverdam
  • Lafayette
  • Fort Shawnee
  • Cairo

Cities in Columbiana County where we do Mortgages:

  • Salineville
  • Lisbon
  • East Liverpool
  • East Palestine
  • Leetonia
  • Wellsville
  • New Waterford
  • Hanoverton
  • Rogers
  • Homeworth
  • Negley
  • Calcutta
  • East Rochester
  • Summitville
  • Glenmoor
  • Lake Tomahawk
  • La Croft

Cities in Ashtabula County where we do Mortgages:

  • Ashtabula
  • Conneaut
  • Geneva
  • Geneva-on-the-Lake
  • Jefferson
  • Andover
  • Orwell
  • North Kingsville
  • Roaming Shores
  • Rock Creek
  • Edgewood

Cities in Geauga County where we do Mortgages:

  • Chardon
  • Chesterland
  • Middlefield
  • Burton
  • Bainbridge
  • South Russell
  • Aquilla

Cities in Tuscarawas County where we do Mortgages:

  • New Philadelphia
  • Dover
  • Tuscarawas
  • Sugarcreek
  • Uhrichsville
  • Newcomerstown
  • Strasburg
  • Bolivar
  • Dennison
  • Gnadenhutten
  • Zoar
  • Midvale
  • Mineral City
  • Port Washington
  • Stone Creek
  • Parral
  • Barnhill
  • Roswell

Cities in Muskingum County where we do Mortgages:

  • Zanesville
  • New Concord
  • Dresden
  • South Zanesville
  • Philo
  • Frazeysburg
  • Adamsville
  • Norwich
  • Fultonham
  • Pleasant Grove
  • North Zanesville

Cities in Ross County where we do Mortgages:

  • Chillicothe
  • Bainbridge
  • Frankfort
  • Kingston
  • Clarksburg
  • South Salem
  • Adelphi
  • North Fork Village

Cities in Hancock County where we do Mortgages:

  • Findlay
  • McComb
  • Mount Blanchard
  • Arlington
  • Van Buren
  • Arcadia
  • Vanlue
  • Jenera
  • Benton Ridge
  • Mount Cory
  • Rawson

Cities in Scioto County where we do Mortgages:

  • Portsmouth
  • Lucasville
  • Wheelersburg
  • Minford
  • New Boston
  • West Portsmouth
  • Otway
  • South Webster
  • Franklin Furnace
  • Rarden
  • Rosemount
  • Sciotodale

Cities in Erie County where we do Mortgages:

  • Sandusky
  • Huron
  • Kelleys Island
  • Castalia
  • Berlin Heights
  • Bay View
  • Crystal Rock
  • Beulah Beach
  • Sandusky South
  • Fairview Lanes

Cities in Belmont County where we do Mortgages:

  • Belmont
  • Saint Clairsville
  • Martins Ferry
  • Bellaire
  • Barnesville
  • Bridgeport
  • Shadyside
  • Bethesda
  • Powhatan Point
  • Morristown
  • Flushing
  • Neffs
  • Holloway
  • Brookside

Cities in Athens County where we do Mortgages:

  • Athens
  • Nelsonville
  • Glouster
  • The Plains
  • Albany
  • Coolville
  • Chauncey
  • Amesville
  • Shade
  • Jacksonville
  • Trimble

Cities in Jefferson County where we do Mortgages:

  • Steubenville
  • Wintersville
  • Mingo Junction
  • Toronto
  • Bloomingdale
  • Richmond
  • Dillonvale
  • Rayland
  • Smithfield
  • Bergholz
  • Brilliant
  • Tiltonsville
  • Mount Pleasant
  • Amsterdam
  • Irondale
  • New Alexandria
  • Empire
  • Stratton

Cities in Marion County where we do Mortgages:

  • Marion
  • Prospect
  • Morral
  • Waldo
  • La Rue
  • Green Camp
  • Caledonia
  • New Bloomington

Cities in Knox County where we do Mortgages:

  • Mount Vernon
  • Centerburg
  • Fredericktown
  • Howard
  • Gambier
  • Danville
  • Martinsburg
  • Bladensburg
  • Gann

Cities in Washington County where we do Mortgages:

  • Marietta
  • Belpre
  • Matamoras
  • Lowell
  • Beverly
  • Devola
  • Lower Salem
  • Macksburg

Cities in Lawrence County where we do Mortgages:

  • Ironton
  • South Point
  • Proctorville
  • Coal Grove
  • Chesapeake
  • Hanging Rock
  • Athalia
  • Burlington

Cities in Union County where we do Mortgages:

  • Marysville
  • Richwood
  • Milford Center
  • Magnetic Springs
  • Unionville Center

Cities in Sandusky County where we do Mortgages:

  • Fremont
  • Clyde
  • Gibsonburg
  • Woodville
  • Lindsey
  • Burgoon
  • Ballville
  • Helena
  • Wightmans Grove
  • Whites Landing
  • Stony Prairie

Cities in Pickaway County where we do Mortgages:

  • Circleville
  • Ashville
  • Orient
  • Commercial Point
  • South Bloomfield
  • Williamsport
  • New Holland
  • Darbyville
  • Tarlton
  • Logan Elm Village

Cities in Huron County where we do Mortgages:

  • Norwalk
  • Willard
  • New London
  • Wakeman
  • Monroeville
  • North Fairfield
  • Greenwich
  • New Haven
  • Collins
  • Celeryville

Cities in Seneca County where we do Mortgages:

  • Tiffin
  • Attica
  • Bloomville
  • New Riegel
  • Republic
  • Bettsville

Cities in Ashland County where we do Mortgages:

  • Ashland
  • Perrysville
  • Jeromesville
  • Hayesville
  • Polk
  • Mifflin
  • Savannah
  • Bailey Lakes
  • Cinnamon Lake

Cities in Darke County where we do Mortgages:

  • Greenville
  • Arcanum
  • Versailles
  • Ansonia
  • Union City
  • New Madison
  • Gettysburg
  • North Star
  • Hollansburg
  • Pitsburg
  • Rossburg
  • Wayne Lakes
  • Castine
  • New Weston
  • Palestine
  • Osgood
  • Yorkshire
  • Ithaca
  • Gordon

Cities in Shelby County where we do Mortgages:

  • Sidney
  • Fort Loramie
  • Botkins
  • Anna
  • Jackson Center
  • Russia
  • Port Jefferson
  • Lockington
  • Kettlersville

Cities in Logan County where we do Mortgages:

  • Bellefontaine
  • West Liberty
  • Russells Point
  • Huntsville
  • Lakeview
  • De Graff
  • Belle Center
  • Zanesfield
  • Rushsylvania
  • Lewistown
  • West Mansfield
  • East Liberty
  • Quincy
  • Valley Hi
  • Chippewa Park

Cities in Auglaize County where we do Mortgages:

  • Wapakoneta
  • Saint Marys
  • Minster
  • New Bremen
  • New Knoxville
  • Cridersville
  • Uniopolis
  • Waynesfield
  • Buckland

Cities in Madison County where we do Mortgages:

  • London
  • West Jefferson
  • Mount Sterling
  • South Solon
  • Choctaw Lake
  • Midway

Cities in Holmes County where we do Mortgages:

  • Millersburg
  • Berlin
  • Walnut Creek
  • Killbuck
  • Winesburg
  • Holmesville
  • Glenmont
  • Nashville

Cities in Brown County where we do Mortgages:

  • Georgetown
  • Mount Orab
  • Ripley
  • Sardinia
  • Fayetteville
  • Hamersville
  • Aberdeen
  • Russellville
  • Higginsport
  • Saint Martin

Cities in Highland County where we do Mortgages:

  • Hillsboro
  • Leesburg
  • Highland
  • Mowrystown
  • Sinking Spring
  • Buford
  • Rocky Fork Point

Cities in Fulton County where we do Mortgages:

  • Wauseon
  • Delta
  • Archbold
  • Fayette
  • Pettisville
  • Metamora
  • Lyons

Cities in Clinton County where we do Mortgages:

  • Wilmington
  • Clarksville
  • Blanchester
  • New Vienna
  • Sabina
  • Martinsville
  • Port William
  • Midland

Cities in Crawford County where we do Mortgages:

  • Bucyrus
  • New Washington
  • North Robinson
  • Tiro
  • Chatfield

Cities in Mercer County where we do Mortgages:

  • Celina
  • Coldwater
  • Saint Henry
  • Rockford
  • Fort Recovery
  • Montezuma
  • Mendon
  • Chickasaw

Cities in Preble County where we do Mortgages:

  • Eaton
  • Camden
  • West Alexandria
  • Lewisburg
  • New Paris
  • Gratis
  • West Elkton
  • West Manchester
  • Eldorado

Cities in Ottawa County where we do Mortgages:

  • Port Clinton
  • Oak Harbor
  • Put-in-Bay
  • Catawba Island
  • Genoa
  • Rocky Ridge
  • Clay Center

Cities in Champaign County where we do Mortgages:

  • Urbana
  • Mechanicsburg
  • Saint Paris
  • North Lewisburg
  • Christiansburg
  • Woodstock
  • Mutual

Cities in Guernsey County where we do Mortgages:

  • Cambridge
  • Byesville
  • Senecaville
  • Lore City
  • Old Washington
  • Kimbolton
  • Pleasant City
  • Quaker City
  • Cumberland
  • Salesville
  • Buffalo

Cities in Defiance County where we do Mortgages:

  • Defiance
  • Hicksville
  • Sherwood
  • Ney

Cities in Williams County where we do Mortgages:

  • Bryan
  • Montpelier
  • West Unity
  • Edon
  • Pioneer
  • Stryker
  • Edgerton
  • Holiday City
  • Alvordton
  • Blakeslee

Cities in Coshocton County where we do Mortgages:

  • Coshocton
  • West Lafayette
  • Warsaw
  • Conesville
  • Plainfield
  • Nellie

Cities in Perry County where we do Mortgages:

  • New Lexington
  • Glenford
  • Thornville
  • Crooksville
  • Somerset
  • Corning
  • New Straitsville
  • Junction City
  • Shawnee
  • Rendville
  • Hemlock

Cities in Morrow County where we do Mortgages:

  • Mount Gilead
  • Cardington
  • Marengo
  • Chesterville
  • Edison
  • Sparta
  • Fulton

Cities in Putnam County where we do Mortgages:

  • Ottawa
  • Leipsic
  • Columbus Grove
  • Kalida
  • Glandorf
  • Fort Jennings
  • Pandora
  • Continental
  • Ottoville
  • Miller City
  • Cloverdale
  • Gilboa
  • Dupont
  • West Leipsic
  • Belmore

Cities in Jackson County where we do Mortgages:

  • Jackson
  • Wellston
  • Oak Hill
  • Coalton

Cities in Hardin County where we do Mortgages:

  • Kenton
  • Ada
  • Alger
  • Mount Victory
  • Dunkirk
  • Dola
  • McGuffey
  • Forest
  • Patterson

Cities in Gallia County where we do Mortgages:

  • Gallipolis
  • Rio Grande
  • Crown City
  • Vinton
  • Cheshire
  • Centerville

Cities in Fayette County where we do Mortgages:

  • Washington Court House
  • Jeffersonville
  • Bloomingburg
  • Milledgeville
  • Good Hope
  • Octa

Cities in Van Wert County where we do Mortgages:

  • Van Wert
  • Middle Point
  • Ohio City
  • Convoy
  • Willshire
  • Venedocia
  • Wren
  • Elgin

Cities in Hocking County where we do Mortgages:

  • Logan
  • Rockbridge
  • Murray City
  • Carbon Hill
  • Hideaway Hills

Cities in Pike County where we do Mortgages:

  • Piketon
  • Waverly
  • Beaver

Cities in Adams County where we do Mortgages:

  • West Union
  • Peebles
  • Winchester
  • Seaman
  • Manchester
  • Cherry Fork
  • Rome

Cities in Henry County where we do Mortgages:

  • Napoleon
  • Liberty Center
  • Holgate
  • Deshler
  • Malinta
  • Hamler
  • McClure
  • Ridgeville Corners
  • New Bavaria
  • Florida

Cities in Carroll County where we do Mortgages:

  • Carrollton
  • Malvern
  • Sherrodsville
  • Dellroy
  • Leesville

Cities in Meigs County where we do Mortgages:

  • Pomeroy
  • Middleport
  • Racine
  • Rutland
  • Syracuse

Cities in Wyandot County where we do Mortgages:

  • Upper Sandusky
  • Carey
  • Sycamore
  • Nevada
  • Harpster
  • Marseilles
  • Wharton
  • Kirby

Cities in Paulding County where we do Mortgages:

  • Paulding
  • Payne
  • Antwerp
  • Grover Hill
  • Oakwood
  • Cecil
  • Latty
  • Haviland
  • Melrose
  • Broughton

Cities in Harrison County where we do Mortgages:

  • Cadiz
  • Scio
  • Hopedale
  • Jewett
  • Freeport
  • Bowerston
  • New Athens
  • Deersville
  • Tippecanoe
  • Harrisville

Cities in Morgan County where we do Mortgages:

  • McConnelsville
  • Malta
  • Stockport
  • Chesterhill

Cities in Noble County where we do Mortgages:

  • Caldwell
  • Sarahsville
  • Summerfield
  • Belle Valley
  • Dexter City
  • Batesville

Cities in Monroe County where we do Mortgages:

  • Woodsfield
  • Beallsville
  • Clarington
  • Lewisville
  • Sardis
  • Graysville
  • Hannibal
  • Jerusalem
  • Miltonsburg
  • Antioch
  • Stafford

Cities in Vinton County where we do Mortgages:

  • McArthur
  • Hamden
  • Zaleski
  • Wilkesville

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Mortgages Explained Ohio: How Much Can I Afford?

If you are serious these days about buying a house in Ohio or even just looking at a home, there is one thing you’d better get – a mortgage preapproval. One of the most frequently asked questions from Ohio home buyers is “How much can I afford?” followed up by “What program is the right fit for me based on my down payment?” These are smart questions and the best place to start is to determine how much down payment you can afford. Compare down payment options and mortgage programs below.

$180,000
$70k
$1.5M

Purchase Price

20%
0%
3%
3.5%
5%
10%
20%
25%

Down Payment

Down Payment Amount: $36,000
For 20% down payment, you may qualify for the following mortgage loans:

USDA Mortgage

The USDA loan is one of the best zero down payment loans still available today. Its location based meaning it has to be in a USDA approved area and eligibility is determined by household income. Many rural and suburban neighborhoods across American are eligible so it’s a perfect fit for first time and repeat home buyers that want to live in a more rural setting outside city limits.

VA Home Loan

The VA home loan is available to veterans, active military personal, and eligible spouses who have VA entitlement. It required a zero-down payment, requires no mortgage insurance, and offers flexible underwriting guidelines. It’s one of the best programs available today from an affordability standpoint and offers below market rates.

HomeReady / HomePossible

This conventional loan program assists low- to moderate-income borrowers with loans made for certain low-income areas along with more developed areas-based income eligibility. Must be a first-time homebuyer. The programs offers very flexible guidelines with a low 3% down payment and reduced mortgage insurance amounts for approved borrowers.

Conventional 97

The Conventional 97 program is a type of low-down payment mortgage for first time home buyers. There are no income limit restrictions. Borrowers only need to come up with a 3% down payment which makes it a 97% Loan to Value loan. That’s where the program gets its name. It allows for a gift for the down payment and offers common sense underwriting guidelines.

FHA Home Loan

An FHA mortgage is one of the most popular home purchase programs available today, not only for first time home buyers but repeat buyers as well. It requires a small 3.5% down payment and is perfect for borrowers with less than excellent credit, lower income, or past credit events like: foreclosure, bankruptcy, or short sale. This is a government-sponsored program designed to help more people become homeowners. That why the payments are affordable, guidelines are flexible and it offers common sense underwriting.

Conventional 95

The Standard conventional loan offers a low-down payment of 5% and offers loans up to the conventional loan limit currently $510,400. It is designed for borrowers with good to excellent credit (700 or higher) and offers attractive rates and reduced mortgage insurance. The guidelines are less restrictive for borrowers that are considered risk due to a high credit score, solid work history and a low debt to income ratio.

80-10-10

An 80-10-10 loan also known as a “piggyback loan” lets you buy a home with two mortgages that total 90% of the purchase price with only a 10% down payment. Borrowers get a first and second mortgage simultaneously: one for 80% of the purchase price, and one for 10%. One loan “piggybacks” on top of the other. This strategy avoids borrowers paying private mortgage insurance and sidesteps the strict lending requirements of jumbo loans. By taking advantage of this program the overall payment is often less than doing a traditional jumbo mortgage with offers higher interest rates and more restrictive underwriting.

Conventional Home Loan

Unlike the popular belief that 20% is required for this program you can qualify for a conventional home loan with as little as 10% down. Although mortgage insurance is required many home buyers are surprised to learn how affordable it really is with solid credit. This strategy makes sense versus coming up with a large 20% down payment to avoid mortgage insurance entirely.

Traditional Conventional Mortgage

The Traditional Conventional Mortgage option requires no private mortgage insurance (PMI) with 20% down and offers the most favorable terms including the most attractive rates. For borrowers who have a large down payment and great credit it’s the best option when purchasing your home or condo.

Multi-Unit & Investments

You can buy a duplex, triplex, or four-plex by making a down payment of 25% or more. Purchasing a multi-unit home is a great way to get your rental portfolio jump started as a landlord or as a primary residence if plan to move into one of the units and rent out the rest of the units. Whether you plan to live in one of the units or rent out the entire building this program is excellent to secure an income producing property. Homes with up to four units are eligible for the conventional mortgage program.

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Mortgages Explained Ohio: Different Programs

So, you’re ready for a mortgage? Are you a first-time homebuyer or a seasoned investor? Maybe you’re ready to refinance for better rates or get cash out to update your home. No matter what your home loan needs are, you’re in good hands. We have mortgage programs for every situation.

First Time Home Buyer Mortgage

Buying a home for the first time can be a stressful and confusing situation. Where do you start? Can you afford it? The good news is we have a comprehensive list of the best loan programs that you, as a first time home buyer, can take advantage of. These programs offer different benefits depending on your unique situation and are designed to help you reach your goal of homeownership. All with less money out of your own pocket.

  • Down payment as low as 3%
  • Numerous programs available
  • 640 credit score required

Conventional Mortgage

Conventional mortgage loans offer a unique opportunity for borrowers to become homeowners or refinance with more favorable terms. The program has stricter guidelines compared to other loan programs but can be more affordable depending on your financial situation (income, credit score, debts). You will often see down payment requirements as low as 3% – 5% in most cases. One thing you need to know about a conventional home loan is that it is not guaranteed by Uncle Sam. These loans may be a bit tougher to get and can have more stringent qualifications, but the benefit may be worth it.

  • 3%-5% down payment
  • Above average credit
  • Low fixed payment

FHA Mortgage

The FHA loan program has been more popular than ever the last few years as credit has become harder to get. Getting an FHA loan is popular for new first-time home buyers as well as those who have been through a financial credit event like a short sale, foreclosure or other financial hardship in the past and are looking to get a mortgage to get back on track. It was created to help more borrowers realize the dream of homeownership due to its lenient underwriting guidelines and low-down payment options. Due to this, it’s considered the most flexible home loan program available today.

  • 3.5% down payment
  • Past credit event OK
  • Low credit OK

VA Mortgage

The three core advantages of a VA Loan are that it’s specifically tailored to meet the home buying needs of veterans, current service members and military families with flexible terms. These Government backed loans make it possible for veterans to get some of the best financing available for purchasing a new home. The three main areas that benefit Veterans the most are:

  • 100% financing
  • Below market rates
  • No mortgage insurance

Jumbo Mortgage

Jumbo Mortgages offer a unique opportunity for borrowers to buy luxury homes that exceed the conforming loan limit of $484,350. Jumbo mortgage loans have a little stricter lending requirement than other programs but still packs a punch when it comes to upping your buying power. A common misconception about jumbo loans is that you need a 20% down payment in order to qualify. The reality is jumbo financing allows you to purchase with as little as 5% to 10% down with a little creative financing. Yes, that’s right! 5% to 10% down, not the traditional 20%. This is accomplished by establishing a 1st mortgage at the conventional loan limit of $484,350 and 2nd mortgage for the rest of the balance. This “combo loan” avoids mortgage insurance and usually offers the lowest fixed payment.

  • 5%-10% down payment
  • 660 credit score required
  • No mortgage insurance

USDA Mortgage

The USDA Rural Development’s Single-Family Housing Guaranteed Loan Program is designed to help borrowers, low to moderate income earners purchase homes in rural areas. USDA home purchase loans are an excellent benefit for first time home buyers as well as growing families looking to upgrade their living situation. USDA loans are a very attractive 100% financing option for borrowers looking for an affordable home loan option.

  • 100% financing
  • Rural properties only
  • 620 credit score required
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