ENJOY THE BEST RATE YOU'RE ELIGIBLE FOR WITH A CUSTOMIZED LOAN PROGRAM!

Real estate financing can be a confusing and challenging part of the home buying process. Loan officers are loosely regulated, there are literally thousands of loan programs and most buyers don't even know what questions to ask, nonetheless how to make the best decision. As your Columbus Ohio Realtor, I'll help you review your financing options so you can determine the best loan program for your needs.   MORTGAGE PRE-APPROVAL - IT'S 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? Sellers may consider a lower offer or take yours over another, if you're already pre-approved.  I work only with reputable Columbus Ohio mortgage company lenders and brokers so I can refer you to the most appropriate lender for your home loan needs, which can save you thousands!

RECOMMENDED Columbus Ohio Mortgage Lenders

As a 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. These are reputable Columbus Ohio Mortgage Company lenders and brokers who have some of the best interest rates and loan programs around. So whether you are looking to purchase or refinance, give them a call and see what they have to offer. Tell them Petra sent you!    No matter what lender you choose be sure to ask for a good faith estimate which will detail all of the costs associated with the loan, in writing.  If the rate is lower than normal, it may be because they are charging you more closing costs, in the form of points 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 rate.  Also make sure they don't have a pre-payment penalty on the loan they offer you.   Article:  Beware of Internet Lenders

Strategic Mortgage - Vicki Morello

Strategic Mortgage is a mortgage broker who offers a wide variety of competitive loan options including: FHA, VA, Conventional, No income verification, NO MONEY DOWN HOME LOANS, interest only, credit challenged financing and more.  She is willing and able to do what it takes to get you pre-approved - FAST. They have comprehensive in-house underwriting which enables them to close loans quickly and with less problems. Concord 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 ASISTANCE PROGRAMS for Ohio first time home buyers. Rates and closing costs are among the best.    They 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 do not require that open collections be paid off. We simply ignore medical collections. Often times we do not require that judgements be paid. We do not require Federal (IRS) tax liens be paid. We can help you save money by not requiring past problems to interfere with today's purchase! 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 Vicki@444loan.com smcnow.com

Fifth Third Bank - Sue Reichard

Fifth Third Bank has some great loan options for NO MONEY DOWN HOME LOANS. They have the "Good Neighbor Program" for most income levels which requires NO MONEY DOWN with low closing costs and NO PMI. They have special programs for teachers, fire fighthers, 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 (preferrable for older homes that may not be suitable for FHA loans). Sue Reichard, Mortgage Relationship Advisor Joe Szymanowski @ 218-4488 1669 Fishinger Road Columbus, OH 43221 Phone: 614-442-3156 Mobile: 614-395-4150 Sue.reichard@53.com

Stewardship Mortgage - Scott Eckles

Stewardship Mortgage offers all types of loans including FHA, conventional, B and C lending for those with less than perfect credit. He's helped some of my clients who had credit challenges and works hard to find a solution to help you get the best loan possible now or provides credit counseling to let you know what to correct to get a loan in the near future.    Meeting all your mortgage needs anywhere in Central Ohio: Purchase, no cost home equity loans, refinance . . . . . ALL credit situations welcomed!  I first met Scott at a closing for a client in Lancaster and was very impressed by his genuine concern to do his best for the buyer.  He'll come to you and does loans anywhere in Ohio.   Scott Eckles 2670 N. Columbus Street Lancaster, OH 43130 Lancaster: 740-654-9090, x13 Columbus: 614-833-6833 Toll FREE: 1-866-378-3927 Scott.eckles@smco.biz www.tipsformortgage.com/scotte

Superior Mortgage Solutions, Inc. - Debbie Dupilka

Superior Mortgage Solutions is a mortgage broker offering a variety of home mortgage loans, refinacing, 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

Union Savings Bank - Gordon Kaylor

Union Savings Bank offers a wide variety of mortgage options including: conventional, FHA, VA, construction, lot loans, refinances, investment property, commercial, etc. Plus they have low closing costs for mortgages as well as refinancing. Mobile: 614-266-3490 Toll Free: 1-888-872-9003 Office: 614-861-9003 1320 Brice Road Reynoldsburg, OH 43068