Loan Programs

Which Mortgage is Right for You?

Mortgage loans aren't one size fits all. And from our experience, homebuyers aren't either — but that's just how we like it! We're mortgage brokers, which means we can compare home loan options from dozens of mortgage lenders to find one for you. Here are just a few of the home loan programs we can consider together.

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Loan Program Options

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Conventional Mortgage Loan

Often great for people with solid credit scores!


This is the most common mortgage loan and can help borrowers avoid unnecessary fees.


Down payment as low as 3% (mortgage Insurance premium payments will likely be required for down payments of less than 20%)


Credit score as low as 620

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Federal Housing Administration (FHA) Mortgage Loan

Can be helpful option for people in need of more flexible credit score requirements. 


This mortgage loan option is insured by the Federal Housing Administration and designed to make homeownership more attainable for more people.


Down payment as low as 3.5%

Credit score as low as 580

Mortgage insurance premium payments required

100% FHA Financing Available 

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VA Mortgage Loan

Qualifying Veterans and their spouses have earned some helpful homeownership benefits. 


To all of you, we thank you for your service.


No down payment required

Credit score as low as 580

No mortgage insurance

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USDA Mortgage Loan

For lovers of rural living and small suburban communities. The USDA Mortgage Loan is backed by the United States Department of Agriculture. People looking to settle down in an approved area might qualify for some home-grown benefits.


No down payment required

No credit score requirements

No mortgage insurance


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Ohio Housing Finance Agency (OHFA)

Your Choice!

Down Payment Assistance


You meet credit score requirements.

Conventional, USDA, and VA Loans: 640 or higher

FHA Loans: 650 or higher 

You meet debt to income ratios for your loan type 

You meet income and purchase price limits.

Mortgage Rate Options

There are two basic types of rate structures for home loans and each has its own potential pros and cons:

Fixed Rate Mortgage:

The interest rate you get when you close on your mortgage loan is the one you'll pay each month. With this option, you know exactly what you're in for in terms of your principal and interest payment.

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Adjustable-Rate Mortgage (ARM):

Your interest rate could go up and down over the life of your loan. You'll probably pay a little lower of an interest rate at the beginning of your mortgage loan, but you could potentially end up paying more overall.

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Have questions? We have answers.

And if we don’t, we’ll do our best to find them.

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