West Chester, OH Mortgage Loans and Pre-Approvals

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

Looking in West Chester or along I-75? I’ll help you compare options, get a strong pre-approval, and keep the process moving from offer to clear-to-close.

Why buyers in West Chester 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 West Chester purchases

Conventional

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

FHA

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

West Chester Township is in Butler County with quick access to Liberty Township, Mason, and Blue Ash. Homes range from established neighborhoods to newer subdivisions near amenities. Condo and HOA communities are common, so we factor dues into the payment. Commutes to Cincinnati and Dayton are straightforward off I-75.

Service area

I’m based in Mason and help buyers and homeowners across West Chester, Mason, Blue Ash, Loveland, 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 and Lynx Financial were fantastic to work with on our transactions

Brian H.West Chester, OH

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

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 West Chester?

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 HOA dues common in West Chester?

Yes in many communities. I’ll include them in your monthly estimate so you compare apples to apples.

Can I buy a townhome with 3 percent down?

Often yes, if the HOA meets guidelines. I’ll confirm early in the process.