CONVENTIONAL

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.

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.

• Condominiums, Second Homes, 1-4 Family Owner-Occupied and Investment 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.

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*

• Condominiums and 1- 4 Family Owner-Occupied Properties

RENOVATION LOANS

• Is the home that you are purchasing in need of repairs or would you like to upgrade it?

• Are you trying to purchase a home that does not allow for any type of financing other than a rehab loan?
  

Did you know that?

• Our REHAB loans allow for many different types of repairs to occur on a home.

• Our Rehab loans allow for a homebuyer to make multiple upgrades to their own personal specifications.

If you answered "yes" to either question above, than our FHA203k or FannieMae Homestyle Renovation could be the purchase product for you!

A rehab loan allows you to customize your home to your specifications and even though this is one of the hardest loans to qualify for, it is definitely a great loan for those who find a home which does not qualify for traditional financing.

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.

• 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.

• Condominiums and 1- 4 Family Owner-Occupied Properties.

SPECIAL FEATURES

USDA 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.

• 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.

SPECIAL FEATURES