Programs
Loan options we close
Every program below is a live product on this desk. We price more than one against the same house so you are not sold a box that does not fit.
3.5% down
FHA Loans
FHA is the workhorse purchase loan in the Ohio Valley and Licking County. Lower down payment, more room on credit, and a file this branch actually closes.
0% down
USDA Loans
USDA Rural Development loans finance 100% of an eligible house in an eligible area. A lot of our ground still maps. In-town cores often do not.
Veterans
VA Loans
VA loans are the strongest purchase tool we have when the buyer earned the benefit. Zero down, no monthly PMI, and a file this branch knows how to close in Ohio, West Virginia, and Pennsylvania.
Strong credit
Conventional Loans
Conventional is the first program we price when credit, equity, and reserves support it. Lower mortgage insurance than FHA on many files, and a clean path to drop MI as you gain equity.
62+
Reverse Mortgages
A reverse mortgage is a Home Equity Conversion Mortgage for a primary residence when the youngest borrower is 62 or older. It is a counseling-required product. We do not rush it.
Investors
DSCR Investor Loans
DSCR loans qualify on the property’s rent versus the proposed payment. They are for investment properties, not a primary residence you plan to live in.
Start here
Get pre-approved today.
Start the official application, call the branch, or leave a name. Someone calls back.
Inquiry
Name, phone, email.
No application. No credit pull.