Ohio Mortgage Loans and Pre-Approvals

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

Buying in Ohio? I’m T.C. Strait, a mortgage loan officer based in Mason, OH and serving all of Ohio. I’ll handle pre-approval, rates, and costs so you can shop with confidence.

Why buyers in Ohio 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

Secure form. No SSN required. Encrypted in storage. Do not enter SSNs, dates of birth, account numbers, passwords, or document links. Privacy Policy · Terms of Use

Apply Now

Ask a Question

Free consult. No obligation.

Loan options that fit many Ohio purchases

Conventional

Competitive terms for strong credit and steady income. Good fit for most single-family homes in Mainevilel and any Ohio suburbs.

FHA

Flexible on credit and down payment. Many first-time buyers in Cincinnati, Dayton and Columbus 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. Many parts of Ohio 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.

Service area

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

T.C. is top notch. He is available at all hours of the day.

Alan L.Maineville, OH

Thank you, TC, for all that you did for us on our home purchase; we were so happy that we worked with you. Great Experience!

Jacob H.Morrow, 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 Ohio?

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.

Are parts of Ohio eligible for USDA?

Eligibility changes over time. I’ll check the current map for the exact address before you make an offer.

Do the local school districts affect taxes or payment?

Taxes vary property to property. Contact me and I’ll walk you through finding the correct property taxes.