Get a FREE Mortgage Pre-approval from Reputable Columbus Ohio Mortgage Brokers, Bankers and Lenders!

Real estate financing can be a confusing and challenging part of the home buying process. While loan officers are regulated, there are numerous loan programs and most buyers don’t know what questions to ask, in order to  make the best decision.  Closing costs and loan terms can vary greatly from one loan program or lender to another. As your Columbus Ohio REALTOR®, I can help review your financing options and recommend local reputable and experienced Columbus Ohio mortgage lenders, so you can determine the best home loan program for your needs.



Get Pre-Approved

Get Pre-Approved Before Looking At Homes


You wouldn’t go grocery shopping without having the money to buy what you want. Doesn’t it make sense to get your loan ready first, so you know exactly how much you can spend? The home seller may consider a lower offer or take yours over another, if you’re already pre-approved.  Having a mortgage pre-approval tells sellers you’re a serious buyer and you’ll have the comfort of knowing in advance, the maximum mortgage you can afford.

I recommend reputable Columbus Ohio banks, mortgage companies, brokers and lenders and am happy to refer you to an appropriate lender for your home loan needs, which can save you thousands!

Recommended Lenders

Recommended Columbus Ohio Mortgage Lenders

As an experienced Columbus Ohio Real Estate Agent and New Home Specialist, I have worked with many Central Ohio lenders and mortgage brokers over the years. The lenders I recommend have provided exceptional service, integrity and honesty when working with my clients. They are reputable Columbus Ohio Mortgage Company lenders and brokers who have some of the best interest rates and loan programs in Central Ohio. So whether you are looking to purchase or refinance, give them a call and compare what they offer. Tell them Petra sent you!

Get a Good Faith Estimate

Get A Good Faith Estimate

No matter what lender you choose be sure to ask for a good faith estimate which will detail all of the closing costs associated with the loan, in writing. If the interest rate is lower than normal, it may be because they are charging you more closing costs, in the form of points, loan discount fee, origination fee, etc. to get that lower rate. If you are only going to be in a home for a few years, it’s probably not worth paying extra fees for a lower rate. You can calculate those costs per year to determine the break even point and see if it makes sense for your specific situation. Make sure you compare all costs associated with the loan as well as the interest rate. Also make sure they don’t have an early pre-payment penalty on the loan they offer you.

Prime Lending

PrimeLending, a Plains Capital Company – Vicki Morello, Sr Loan officer

PrimeLending has been around for over 25 years doing Home Lending based out of Dallas, Texas. PrimeLending was ranked number 4 in the nation for purchase units in 2012 by Marketrac® Power by CoreLogix for January – December 2012.

The goal at PrimeLending is to provide unsurpassed quality service and support throughout the entire mortgage process for every client and referral source. This proactive sales and operational philosophy simplifies and accelerates the loan process at all levels. The company’s experienced mortgage professionals are dedicated to making every customer’s home loan experience a positive and successful one.

PrimeLending takes pride in being recognized as a premier mortgage lender offering a wide array of loan products. Mortgage loan options include fixed and adjustable rate FHA and VA, JUMBO loans, permanent construction financing, refinancing options, and relocation programs—just to name a few.

Vicki’s husband is in the military so she closes a lot of VA home loans and is very familiar with the Ohio VA mortgage loan programs. There are online lenders who offer VA loans, but I have seen them charge extremely high closing costs to process them. I highly recommend Vicki at PrimeLending Mortgage in Columbus Ohio, if you are seeking a VA loan to buy a home in Ohio.

Vicki Morello, Sr Loan officer
PrimeLending, a PlainsCapital Company
NMLS: 216047
400 Lazelle Road, Suite 18
Columbus, Ohio 43240
614-396-1866 (office)
1-866-908-3270 (fax)

The State Bank and Trust Company

Sue Reichard – The State Bank and Trust Company – formerly with Fifth Third Bank

The State Bank and Trust Mortgage Company has some great loan options for VIRTUALLY NO MONEY DOWN HOME LOANS. They participate in the Ohio Heroes program and have special programs for teachers, fire fighters, police, and nurses. This program may be available at fixed rates as well as adjustable rates for those with better than average credit. This is a good option for those needing a conventional loan (preferable for older homes that may not be suitable for FHA loans) and also for condos. The State Bank and Trust Company offers very competitive closing costs on FHA loans and OHFA – Ohio Bond Money and FREE Grant money – which include down payment assistance programs loans for first time home buyers as well as Veterans. Rates and closing costs are very competitive!

State Bank and Trust is one of the few Central Ohio mortgage lenders I know of that offers a 5% down – NO PMI (private mortgage insurance) Mortgage loan, which offers significant savings on your monthly mortgage payment. Most lenders require 20% down to wave the monthly PMI premium. Currently the PMI on a typical FHA loan is 1.25% of the loan amount – so a $100,000 loan would add an extra $125.00 to your monthly mortgage payment. The high cost of monthly mortgage insurance greatly affects your buying power. Instead of spending money on insurance that does nothing to benefit you, you can save money on your monthly mortgage payment or increase your buying power, enabling you to get a better home!

Sue Reichard
Assistant Vice President-Lending
The State Bank and Trust Company
109 South High Street, Dublin, OHIO 43017
P  614.336.7779 ext. 2790
C  614.395.4150 (available evenings and weekends too!)
F  614.336.7879

Third Federal Savings Bank

Third Federal Savings Bank – Joan Burge

Third Federal Savings Bank guarantees you the lowest conventional fixed rate mortgage in Ohio. If you find a better fixed rate mortgage rate, they’ll beat it or give you $1,000. A similar mortgage must be for the same property, term, discount points and loan amount with the same or lower closing costs.

They offer a variety of conventional loans and new home construction loans for those with good credit, with as little as 5% down. They offer a NO PMI loan with only 15% down.

Joan Burge
Gahanna Branch
Gahanna, Ohio 43230
Phone: 614-471-3370