Cleveland, OH Mortgage Loans and Pre-Approvals

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

If you’re buying in the Cleveland area, I’ll help you compare loan options, set a clear budget, and move from offer to closing with steady updates.

Why buyers in Cleveland 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 Cleveland purchases

Conventional

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

FHA

Flexible on credit and down payment. Many first-time buyers in Cleveland and throughout Ohio 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 Northeast Ohio 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 Greater Cleveland: what buyers ask about

Greater Cleveland includes a wide range of suburbs around I-90, I-71, and I-480. Housing runs from older city homes to newer suburban builds and condos along the lake. Property taxes and point-of-sale rules vary by municipality. I’ll confirm local requirements and include taxes, HOA dues, and any city fees in your estimate.

Service area

I’m based in Mason, OH and help buyers and homeowners in Cleveland, Cuyahoga County and all across 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

This was my 4th time using TC Strait for my mortgage and refinance loans.

Dottie K.Burton, OH

He’s helped us with a few home sales and always ran the numbers for us.

Lance B.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 Cleveland?

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 Cleveland eligible for USDA?

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

Can I use down payment assistance here?

In many cases yes. I’ll review current programs and see what fits your income and credit.