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
Special Features:
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
203 (k) Substantial Rehabilitation Loans - Purchase and Refinance
203 (k) Limited Rehabilitation Loans - Purchase and Refinance
Special Features:
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:
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.
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:
Are you a first time homebuyer or;
Have not had an ownership interest in your primary reseidence in the past three years or;
Buy a home in a target area or;
Are a military veteran who received an honorable discharge
Down Payment Assistance Grant
Grants for Grads program
Active Military, Active Reserve or Veterans
Firefighters, Emergency Medical Technicians or Paramedics
Health Care Workers
Police Officers
Teachers
*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