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 – 10 to 30 year terms available

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

Special Features:

  • OHFA Mortgage Tax Credit (MCC) Program*
  • OHFA First Time Buyer Program with Down Payment and Closing Cost assistance*
  • Communities First Down Payment Assistance for Ohio
  • 3% Down Payment Loans: HomeReady®, HomeOne(SM), Home Possible®
  • New Construction Loan Extended Rate Locks
  • Jumbo Loan amounts greater than $453,100
  • Investor Loans
  • Condominiums, Second Homes, 1-4 FamilyOwner-Occupied and Investment Properties

 

FHA Loans

 

FHA loans are insured through the Federal Housing Administration and are available 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  - 10 to 30 year terms available

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 Mortgage Tax Credit (MCC) Program*
  • OHFA First Time Buyer Program with Down Payment and Closing Cost assistance*
  • Communities First Down Payment Assistance for Ohio
  • New Constructoin Loans
  • Condominiums and 1- 4 Family Owner-Occupied Properties

  

VA Loans

 

VA loans are guaranteed by the U.S. Department of Veterans 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. These loan options are available with no money down. If you have served in the military, talk to us today about the options available to you.

Fixed Rate Loans – 10 to 30 year terms available

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

Special Features:

  • Zero Down Payment with VA Eligibility
  • OHFA Mortgage Tax Credit (MCC) Program
  • OHFA First Time Buyer Program with Down Payment and Closing Cost assistance*
  • New Construction Loans
  • Condominiums and 1- 4 Family Owner-Occupied Properties

 

USDA-RD Loans

 

USDA Rural Development loans are mortgage loans offered for rural properties and guaranteed 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
  • Closing Costs may be added into the loan**
  • Certain Improvements May Be Added to the Loan**
  • Condominiums and 1- 4 Family Owner-Occupied 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.

**Restrictions Apply

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