Milford, OH Mortgage Loans and Pre-Approvals

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

Buying in Milford or close to I-275? I’ll help you compare programs and get a strong letter so you can act fast in this trail and river town market.

Why buyers in Milford 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 Milford purchases

Conventional

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

FHA

Flexible on credit and down payment. Many first-time buyers in Milford, Loveland, and Maineville 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 Milford: what buyers ask about

Milford sits in Clermont County with river access, the trail network, and quick drives to Loveland and Eastgate. You’ll see older in-town homes plus newer subdivisions off OH-28. Some edges may be USDA-eligible depending on the map. I’ll run payments with taxes and any HOA dues included.

Service area

I’m based in Mason and help buyers and homeowners across Milford, Loveland, Maineville, Goshen, 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

Working with TC for our mortgage process was absolutely seamless.

Sarah R.Loveland, OH

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

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 Milford?

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 flood insurance common near the river?

Some areas need it. I’ll confirm the flood zone and include it in your estimate when needed.

Can we use USDA on the edge of town?

It depends on the address. I’ll check the current map for each property.