Mason, OH Mortgage Loans and Pre-Approvals

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

Buying in Mason or nearby? I’m T.C. Strait, a mortgage loan officer in Mason serving all of Ohio. I’ll help you get a clear price range, payment estimate, and a strong letter so you can shop with confidence.

Why buyers in Mason 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

Apply Now

Ask a Question

Free consult. No obligation.

Loan options that fit many Mason purchases

Conventional

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

FHA

Flexible on credit and down payment. Many first-time buyers in Mason, West Chester, Blue Ash and Loveland 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 Warren 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 Mason: what buyers ask about

Mason sits in Warren County with quick access to I-71 and fields many commutes to Blue Ash and Downtown Cincinnati. Mason City Schools are well known, and single-family homes make up most listings with some newer townhome and condo options near retail. Kings Island and parks like Corwin Nixon Park draw weekend traffic, so we’ll plan showings around that. Property taxes vary by neighborhood and school lines, so I’ll estimate the bill for each address you’re considering.

Service area

I’m based in Mason and help buyers and homeowners across Mason, West Chester, Blue Ash, Loveland, Maineville, 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 extremely knowledgeable and quick to respond any time I had questions.

JJMason, OH

He made sure we had everything turned in and everything correct.

Kristopher C.Mason, OH

TC is very knowledgeable, understanding and shows a lot of compassion with his clients.

ChristineMason, 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 Mason?

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 Mason City Schools in a single tax district?

No. Rates vary by exact address. I’ll pull the current estimate for each property before you write an offer.

Do condos in Mason work with FHA?

Sometimes. FHA requires an approved project or a spot approval. I’ll check the condo’s status before you make an offer.