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. I have seen closing costs vary greatly from one loan program or lender to another. As your Columbus Ohio REALTOR®, I can help review your financing options so you can determine the best home loan program for your needs.
Get Pre-Approved Before Looking At Homes
MORTGAGE PRE-APPROVAL FIRST - IS A MUST IN TODAY’S MARKET! 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 and brokers and would be happy to refer you to the most appropriate lender for your home loan needs, which can save you thousands!
Recommended Columbus Ohio Mortgage Lenders
As an experienced Columbus Ohio Real Estate Agent and Certified 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 Columbus 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
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 or an origination fee, to get that lower rate. If you are going to be in a home for less than 6 years, it’s probably not worth paying points. So 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.
Strategic Mortgage - Vicki Morello
Strategic Mortgage is a lender not a mortgage broker, who offers a wide variety of competitive loan options including: Government loan programs and down payment grants from non profit organizations, FHA, VA, Conventional and some VIRTUALLY NO MONEY DOWN HOME LOANS. Vicki has over 20 years experience in the Columbus Ohio home mortgage industry and can also offer credit counseling to help you clear up your credit and prepare you to obtain a home mortgage, loan in the future. She is very professional and willing to do what it takes to get you pre-approved - FAST.
Vicki’s husband is in the military so she closes a lot of VA loans and is very familiar with the Ohio VA 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 Strategic Mortgage in Columbus Ohio, if you are seeking a VA loan to buy a home in Ohio.
Strategic Mortgage is proud to be the LARGEST FHA LENDER in Central Ohio (as reported by the Columbus Dispatch in May 2009 and one of the TOP LENDERS in Central Ohio (as reported by Business First - “The LIST” in April 2009).
They have comprehensive in-house underwriting which enables them to close loans quickly and with less problems. Strategic is one of the few mortgage lenders in Columbus Ohio that participates in FHA 203k rehab loans, OHFA Bond Money and FREE Grant Money for Homes loans - which include DOWN PAYMENT ASSISTANCE PROGRAMS for Ohio first time home buyers. Rates and closing costs are among the best.
Strategic offer mortgage solutions for people without perfect credit, but are still good borrowers. They can often provide loan approval using very competitive rates and closing costs and SAVE YOU MONEY! Routinely, our approvals help borrowers in the following ways:
- We may not require old collections be paid off.
- We often can ignore medical collections.
- Often times we do not require that judgments be paid.
- We may not require Federal (IRS) tax liens be paid.
Vicki Morello, Mortgage Specialist
Strategic Mortgage
40 W. 3rd Avenue
Columbus, Ohio 43201
Direct: 614-737-2502
Fax: 614-358-5637
Cell: 614-519-0910 (Available evenings and weekends too!)
Vicki@444loan.com
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 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 loans for first time home buyers as well as Veterans.
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 - Joan Burge
Third Federal Savings Bank guarantees you the lowest fixed rate mortgage on your Ohio mortgage. 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.
Joan Burge
Gahanna Branch
Gahanna, Ohio 43230
Phone: 614-471-3370
Superior Mortgage Solutions, Inc. - Debbie Dupilka
Superior Mortgage Solutions is a mortgage broker offering a variety of home mortgage loans, refinancing, no money down loans, 100% financing options that can eliminate private mortgage insurance, interest only loans to reduce your monthly mortgage payment, 30 and 15 year fixed rates, adjustable rate mortgages and more. They can also provide credit counseling if you are not yet able to get a loan to help you clear up your credit and get a loan in the near future. Call them for a free mortgage consultation to determine the best loan option for you.
Superior Mortgage Solutions, Inc.
7243 Sawmill Road, Suite 105
Dublin, Ohio 43016
614-734-9300