Goshen, OH Mortgage Loans and Pre-Approvals

Local help from a Loan Loan Officer, T.C. Strait / Mortgage Loan Officer

If you’re looking in Goshen Township or nearby Milford and Loveland, I’ll help you get a clean pre-approval and compare zero-down options where they apply.

Why buyers in Goshen choose T.C.

20+ years helping Ohio buyers and homeowners

Fast, clean pre-approvals backed by real underwriting review

Call or text any time you need an update or have questions

Clear rate quotes with total cash to close shown up front

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Ask a Question

Free consult. No obligation.

Loan options that fit many Goshen purchases

Conventional

Competitive terms for strong credit and steady income. Good fit for most single-family homes in Warren County and northern Cincinnati suburbs.

FHA

Flexible on credit and down payment. Many first-time buyers in Goshen, Maineville, and Blanchester choose FHA to get started.

VA

Zero down for eligible Veterans and active-duty service members. I handle the COE and guide you on seller credits and fees.

USDA

Zero down in eligible areas. Parts of Warren and Clermont counties may qualify. I’ll check the current map before you make an offer.

What pre-approval looks like with me

Step 0 Chat with me about your goals and price range
Step 1 Apply online
Step 2 Pay for the credit report online
Step 3 Send income and asset documents

You’ll get a clear price range, estimated payment, and a letter you can use to make offers.

Living in Goshen: what buyers ask about

Goshen in Clermont County offers single-family homes on larger lots along OH-28, with access to I-275 through Milford. Some areas may meet USDA guidelines depending on the map. Storm history can come up in older listings, so we review insurance and repairs early. I’ll run payment scenarios for each property.

Service area

I’m based in Mason and help buyers and homeowners across Goshen, Blanchester, Morrow, South Lebanon, West Chester, Blue Ash, and anywhere in Ohio.

Ready to talk?

Apply now to get a real price range and payment

Ask a quick question by call or text: 513-562-7926

Free consult. No obligation.

Local reviews

TC was great to work with, especially as First Time Homebuyers, the pre-approval process was a breeze.

Jacob W.Loveland, OH

As a first-time homebuyer, I had so many questions about the process, and TC went above and beyond every step.

ADLoveland, OH

Working with TC for our mortgage process was absolutely seamless.

Sarah R.Loveland, OH

Helpful tools

Purchase
Calculator

Estimate payment and cash to close in under a minute.

FHA Loan
Page

FHA limits, down payment, credit rules, and fees.

VA Loan
Page

Check VA eligibility, funding fee, and $0 down paths.

USDA Loan
Page

Confirm USDA areas, $0 down option, and income caps.

Conventional Loan Page

Compare rates, PMI rules, and strong-credit options.

Mortgage
Process

Follow 7 clear steps from pre-approval to a closing.

FAQ

What credit score do I need to buy in Goshen?

Many programs start around the mid-600s. FHA can allow lower. I’ll look at full credit and income before we pick a loan.

How much do I need for a down payment?

Conventional can be as low as 3 percent. FHA is 3.5 percent. VA and USDA can be zero down if you qualify.

How long does pre-approval take?

If you apply and upload documents the same day, we can often issue a strong letter within 24–48 hours.

Is USDA common around Goshen?

Most, if not all, of the area qualifies. I’ll confirm address eligibility and income caps.

Can I buy with a smaller down payment in Goshen?

Conventional as low as 3 percent for qualified buyers, FHA 3.5 percent. I’ll show exact numbers for you.