Family-Owned and Operated since 1979

Loan Programs Available for

PURCHASE or REFINANCE

 

Conventional Loans

Conventional loans are not insured or guaranteed through the federal government and may have either a fixed or adjustable rate. We offer a wide variety of fixed-rate mortgage programs which can be tailored to fit your specific needs and long term financial goals. We also have many options in adjustable rate mortgage programs (ARM) for which we can fully explain the varying rates and terms to you.

Fixed Rate Loans - 30, 25, 20, 15, and 10 year

Adjustable Rate Mortgage (ARM) Loans - 10/1, 7/1, 5/1, 3/1

Special Features:

  • OHFA Market Rate Program with Down Payment and Closing Cost assistance*
  • New Construction Loan Extended Rate Locks
  • Jumbo Loan amounts greater than $422,100
  • Condominiums, Second Homes, 1-4 Family Investment Properties

*Purchase Only / Communities First Down Payment Assistance for Ohio

 

FHA Loans

FHA loans are insured through the Federal Housing Administration and are open to all qualified home purchasers. While there are limits to the size of FHA loans, they are generous enough to handle moderately priced homes almost anywhere in Ohio. 

Fixed Rate Loans  - 30, 25, 20, 15 year

Adjustable Rate Mortgage (ARM) Loans - 5/1, 3/1

203 (k) Substantial Rehabilitation Loans -  Purchase and Refinance

203 (k) Limited Rehabilitation Loans -  Purchase and Refinance

Special Features:

  • OHFA Market Rate Program with Down Payment and Closing Cost assistance*
  • Down Payment Assistance Programs
  • Condominiums and 1- 4 Family Properties

*Purchase Only

 

VA Loans

VA loans are insured by the U.S. Department of Veteran Affairs for the purpose of making housing affordable to eligible U.S. veterans. VA loans are available at competitive rates for those who have served our country in the military. Many of these loan options are available with no money down. If you have been in the military, talk to us today about the options available to you.

Fixed Rate Loans - 30, 25, 20, 15 years

Adjustable Rate Mortgage (ARM) Loans - 5/1, 3/1

Special Features:

  • Zero Down Payment with VA Eligibility
  • OHFA Market Rate Program with Down Payment and Closing Cost assistance*
  • Condominiums and 1- 4 Family Properties

*Purchase Only

 

USDA Loans-RD

USDA Rural Development loans are mortgage loans offered for rural properties by the United States Department of Agriculture. Because Ohio has so much rural and agriculturally driven areas, the USDA loan is a popular option in our state in the areas which qualify. USDA loans provide 100% financing to those who qualify and can be a great option for those not in a position to apply a down payment. Contact us today for more details.

Fixed Rate Loans - 30 year

Special Features:

  • Zero Down Payment
  • Certain Improvements May Be Added to the Loan. Restrictions Apply.
  • Condominiums and 1- 4 Family Properties

*Loans are available on a fair and equal basis regardless of race, color, ancestry, national origin, religion, sex, or physical handicap. Funds are available on a first-come, first-serve basis.

 

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