Licensed in Ohio
Ohio is one of the few states left where a normal income still buys a solid house. The catch is that a lot of that housing stock was built before 1960, and the loan that works beautifully on new construction can fall apart on a century home in an appraisal.
Working across Columbus, Cleveland, Cincinnati, Dayton, Toledo, Akron and the rest of Ohio.
Peeling paint, knob-and-tube wiring, a roof with three years left: on an FHA appraisal those become required repairs, and a seller who will not fix them kills the deal. A renovation loan solves it by financing the purchase and the repairs together, based on what the house will be worth when the work is finished. In Ohio that is not an exotic product — it is often the difference between buying the house and walking away from it.
Ohio has more USDA-eligible ground than almost any buyer assumes. A surprising number of towns within a reasonable commute of Columbus, Dayton and Toledo still map as rural, which puts genuine zero-down financing on the table. It costs nothing to check the map before you start saving for a down payment you may not need.
That is where most Ohio files land, not the limit of what we can do. We are brokers, so the lender list behind us is long and the product list behind that is longer. Call Tyler and describe the situation.
OHFA runs Your Choice! Down Payment Assistance and the Ohio Heroes rate discount. Like every state housing agency, its loans are originated only through approved participating lenders — ask us and we will give you a straight answer on whether that is a route we can take you down.
Tyler McCain, NMLS #173261, is licensed in Ohio and five other states. Two minutes, no credit pull, and you will know where you stand.
Also licensed in Tennessee, Texas, Alabama and Kentucky — and in Florida.
