There's no place like home.
Whether you’re building, buying, or refinancing a home — the right loan makes the whole process easier. The problem is, there are many choices, and many lenders that only want to get to know your signature. We’re in your community and ready to listen to your needs, offering locally-serviced loans that work for you.
We’ll have you unpacking boxes in no time.
Finding a home that ticks all the right boxes is challenging enough. When it’s time to buy, we have plenty of loan options and aim to make the purchasing process as advised, quick, and easy as possible.
- Thorough and trusted communication throughout the process
- Quick responses and closings
- Lenders at every office that can help you directly
- Loans catered to your individual situation
- Integrity to never lock you into a bad fit
- Credit life and disability insurance offered
- Free, no-obligation prequalifications
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Home Loan Types
Fixed Rate Loans
The major advantage of a fixed rate loan is consistency. Your interest rate payments won’t vary, so you can count on a set rate for the life of your loan.
Adjustable Rate Loans
Adjustable rate loans typically feature lower initial rates than fixed rate loans. If you plan to move within a few years or expect additional income, an adjustable rate loan may give you more flexibility. After an introductory period, your monthly payments may go up or down as the rate is adjusted based on the cost to borrow in the market.
Federal Housing Administration (FHA) loans are designed to help low-income borrowers obtain a home loan without a large down-payment. These mortgages are issued by federally qualified lenders (like us!) and insured by the FHA.
Individuals who have served in our Armed Forces (and their surviving spouses) are eligible for a mortgage guaranteed by the U.S. Department of Veterans Affairs (VA). These loans are intended to open doors for our veterans with potentially better rates, low or no down payments, and fewer credit restrictions.
Purchase, upgrade, or repair a home with a loan backed by the United States Department of Agriculture (USDA). Features like $0 down payment options and low interest rates make USDA loans a great option for low-to-moderate income families in eligible rural and suburban areas.
In the perfect world of new home buying, your old house would sell at exactly the same time that you buy your new home. That doesn’t happen too often. A bridge loan helps cover costs between buying a home and selling another.
When you find the perfect piece of land – you just know. Even if you can’t build your home right away, a lot loan lets you buy the land where you want to build.
If you plan to have your home custom built, or are taking matters into your own hands and acting as the contractor, a construction loan is designed to pay for the building costs.
A jumbo loan enables you get a home loan that exceeds the standard limit. Every county in Ohio has a conforming loan limit set by the government of $417,000. Jumbo loans generally require larger down payments and applicants must have established high credit scores.
Portfolio loans are home loans that are funded entirely by your bank for the life of the loan. Since these loans are not sold to a federal agency, you can benefit from more flexibility and greater consideration of your specific circumstances.