Cincinnati OH Mortgage

Start your mortgage journey with T.C.Strait, your trusted Mortgage Loan Officer in Cincinnati OH. With over 20 years of experience, I’m here to help you secure the perfect mortgage for your unique situation.

Cincinnati OH Mortgage Rates

Stay up-to-date with the latest mortgage rates in Cincinnati. I monitor the market and multiple lenders regularly to ensure you get the best mortgage rate available.

Popular Cincinnati OH Mortgage Programs

Whether you are looking for a refinance mortgage in Cincinnati or considering buying a home, here are the popular options for a mortgage.

USDA Loans in Cincinnati, OH

If you’re looking for a rural or semi-rural property, a USDA mortgage can offer NO DOWN PAYMENT and competitive interest rates.

USDA income limits for the Cincinnati, OH area are $116,300 for 1-4 person families and $153,500 for 5+ person families. Within the city limits of Cincinnati, there are no USDA eligible areas. Once you get outside of the city limits in more rural areas there may be eligible properties.

FHA Loans in Cincinnati, OH

If you’re a first-time homebuyer or don’t have a perfect credit score, FHA loans in Cincinnati can be an excellent choice.

The current FHA Loan Limit, which is the maximum you can borrower on an FHA mortgage in Cincinnati, is $472,030 for a 1 unit property.

VA Loans in Cincinnati, OH

Are you a veteran or active-duty military member? VA loans in Cincinnati provide excellent financing options with no down payment required in most cases.

Conventional Loans in Cincinnati, OH

I also offer conventional loans for those seeking a traditional mortgage option. Currently the conforming loan limit for the Cincinnati area is $726,200.

Jumbo Loans in Cincinnati, OH

For those seeking to finance a residential property with higher values, my jumbo loans provide the necessary financing flexibility.

Contact me today to discuss your situation or to begin the mortgage process.