Cincinnati, OH Mortgage Loans and Pre-Approvals

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

Buying in Cincinnati or the close-in suburbs? I’ll help you compare programs, set a real budget, and secure a clean letter so you can compete.

Why buyers in Cincinnati 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 Cincinnati purchases

Conventional

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

FHA

Flexible on credit and down payment. Many first-time buyers in Cincinnati, Blue Ash, and Mason 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 Hamilton 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 Cincinnati: what buyers ask about

Cincinnati spans many neighborhoods with different taxes, HOAs, and school lines. Commutes vary by side of town with I-71, I-75, and I-275 as main routes. Older homes can raise questions on repairs and insurance, so we review those early. I’ll build payment estimates per address and include city or local tax when it applies.

Service area

I’m based in Mason and help buyers and homeowners across Cincinnati, 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 is the best! He’s helped us with a few home sales and always ran the numbers for us.

Lance B.Cincinnati, OH

TC was a Godsend throughout this whole process.

Shannon K.Cincinnati, OH

TC Strait is your guy if you’re looking to buy a house.

Nathan W.Cincinnati, 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 Cincinnati?

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 Cincinnati eligible for USDA?

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

Are older homes harder to finance?

They can require repairs for certain loans. I’ll match the loan to the property so you don’t over-promise in your offer.