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Making Ohio Your Next Home - The Best Ohio Mortgage Rates, Resources & Information

Are you considering buying or refinancing a home in Ohio? Or tapping into your home equity to consolidate high interest debt? If so you've found the right place.

Our information will help you learn about all types of Ohio home loans and our helpful list of specific OH Mortgage Resources & services is specifically tailored for our state.

Having some knowledge of how mortgage loans work wherever you live in Ohio can help you select a home and keep it for years to come. Whether you're looking for a Cleveland new home loan or a Columbus mortgage refinance, it pays to do your homework.

Also compare competing quotes from our lender database of reputable Ohio mortgage lenders by filling the form to the right.

For most of us, buying a home is the largest investment we'll make in our lives, so take the time to speak to different lenders and see what offers are available to you. Getting several competing quotes and getting the best offer can save you thousands over the course of your loan.

Ohio Mortgage Education and Down Payment Assistance

Ohio offers specialized mortgage and refinancing options to home buyers and existing homeowners, including first-time buyer and down payment assistance, as well as programs to help homebuyers in certain target areas or professions.

A core resource for learning more about state housing programs is the Ohio Housing Finance Agency (OHFA), which works with lenders and community development programs to provide accessible and affordable mortgage loans for Ohio residents. FHA insured mortgages provide affordable mortgage terms through approved Ohio lenders.

Ohio Heroes Program Provides Mortgage Assistance

Ohio residents who are on full time military duty or have retired from the US Armed Forces can apply for first-time home buyer assistance. The heroes program is also available for emergency responders, teachers, and certain medical professionals who have not owned a home in the past three years. The targeted areas program can assist those who don't qualify for the heroes program and/or aren't first time home buyers. If you buy a home in a federally designated area in Ohio, you may qualify for mortgage loan assistance through the targeted areas program.

Ohio Homeowners in Distress: Avoiding Mortgage Foreclosure

Homeowners across Ohio are facing foreclosure. In Ohio, foreclosure is handled through court proceedings. Your lender must sue you in order to complete foreclosure and either sell or take title to your home. Foreclosure may take only a few months; it's essential to respond to the initial complaint filed by your lender within 28 days. If your home mortgage is foreclosed, Ohio law allows you to redeem your home by paying the full mortgage amount and all charges and fees before the sale is confirmed. When a foreclosure sale is confirmed, the county sheriff posts a notice to vacate the property. Avoiding foreclosure is less costly and stressful. Contact a HUD-approved credit counseling agency for help. Beware of scams offering help with foreclosure or credit repair. Using HUD-approved credit and housing counseling providers is a good way to avoid foreclosure and potential fraud.

Mortgage Calculator Tools

As you go from researcher to homebuyer to homeowner, please continue to make use of our loan calculators which include a refinance calculator, a mortgage loan rate comparison calculator, and an amortization calculator & amortization chart. There's also a mortgage calculator to tell you your monthly payments, and an affordability calculator that looks as how much you can spend, and your expenses to show you how much home you can afford.

Resources

HUD in Ohio. The US Department of Housing & Urban Development's dedicated Ohio site for homeowner & home buyer information.
Homebuyer education counseling agencies in Ohio. Homebuyer information and counseling services which have been approved by the HUD.
Tax rate (estimates by state). Average property taxes by state, including Ohio.
Tax rates for any address in Ohio. Search different tax rates across cities and municipalities in Ohio.
Ohio Housing Finance Agency (OHFA) homepage. The OHFA makes affordable housing opportunities available to low- to moderate-income Ohioans, including first-time homebuyers, renters, senior citizens, and other populations with special needs
- OHFA homeownership programs.
- OHFA first time homebuyer information
- OHFA down payment assistance program
- Ohio heroes program. First time home buyer assistance for military, firefighters, EMTs, healthcare workers, police officers and others.
- OHFA target areas program. Helps revitalize federally-designated target areas by making our affordable first-time homebuyer loan products for all homebuyers, not just first time home buyers.
Ohio Foreclosure Prevention Resources. Foreclosure Prevention resources by the Ohio Department of Development
- Ohio Save the Dream Program. The Governer's Ohio Foreclosure Prevention Task Force dedicated to help keeping Ohio families in their homes.
- Save the Dream: how Ohio foreclosure works. Information on the foreclosure process
- Ohio Legal Services. Foreclosure advice
National Foundation for Credit Counseling (links to local providers). National organization for credit counseling if you face debt or foreclosure issues.
Veterans Administration Loan Guaranty Program. Homeowner / homebuyer loan program information for US Veterans.