Dayton, OH Mortgage Loans and Pre-Approvals

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

Shopping in Dayton or along the I-75 corridor? I’ll help you compare options, set a real budget, and get a reliable pre-approval.

Why buyers in Dayton 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 Dayton purchases

Conventional

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

FHA

Flexible on credit and down payment. Many first-time buyers in Dayton and the surrounding suburbs 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 Montgomery couny 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 Dayton: what buyers ask about

Dayton and its suburbs connect through I-75 and I-70 with a wide range of single-family homes and condos. Older properties can raise repair or appraisal items for some loans, so we match the program to the property. I’ll estimate taxes and HOA dues per address and keep you updated from contract to closing.

Service area

I’m based in Mason and help buyers and homeowners across Dayton, Montgomery County 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 dedicated to customer service and knows how to explain everything to people who don’t know the business.

Kristen H.West Chester, OH

I don’t normally write reviews, but if you’re looking for the best mortgage broker in Ohio, look no further.

MikeWest Chester, OH

TC was fantastic to work with on our transactions.

Brian H.West Chester, 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 Dayton?

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 Dayton eligible for USDA?

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

How fast can we close if the seller wants a quick timeline?

With a complete file and responsive title, less than 30 days is common. We can target faster if everything lines up.