Mortgage Lender in Dayton, Ohio

Yes. FHA loans are widely available in the Dayton metro, including in Montgomery, Greene, and Warren counties. They are popular here because they allow lower down payments and are more flexible on credit scores than many conventional loans. Keep in mind that FHA loans include a mortgage insurance premium (MIP), a fee on FHA loans that protects the lender, which is added to your monthly payment. A loan officer can show you exactly how MIP affects your overall cost.

It depends on the loan type. FHA loans generally accept lower credit scores than conventional loans. Conventional loans typically want to see a score of 620 or higher, though a stronger score can improve your terms. Your full financial picture matters too, including your debt-to-income ratio (DTI), which measures how much of your monthly income already goes toward debt. We review the whole picture, not just one number.

A typical purchase closing in the Dayton area takes 30 to 45 days from a signed contract. Timelines can vary based on loan type, seller responsiveness, appraisal scheduling, and title work. FHA and VA loans sometimes take a few days longer than conventional loans. Getting pre-approved before you start shopping is one of the best ways to avoid delays once you find the right home.

That is a personal decision that depends on your income, savings, job stability, and how long you plan to stay. Dayton has historically been a more affordable market compared to other Ohio metros, which gives buyers meaningful options across price ranges. We never tell you when to buy. We give you a clear picture of what you can realistically afford and what your monthly payment would look like under different scenarios.

Yes. First-time buyers make up a large share of who we work with in the Dayton area. We walk you through every step: what documents you need, how pre-approval works, what closing costs to expect, and how down payment assistance programs can help reduce what you need to bring to the table. You will always have a direct line to a real loan officer, not an automated system.

Yes. Ohio Housing Finance Agency programs are available to eligible buyers in Montgomery, Greene, and Warren counties, which cover most of the Dayton metro. These programs can help cover part of the down payment or closing costs. Income limits and purchase price limits apply, and the rules vary by program. Our loan officers review your eligibility and help you combine assistance programs with the right loan type for your situation.

Both. Intra-Mortgage is a licensed mortgage lender and broker, so we can match your loan to the program that fits instead of pushing a single in-house product. For Dayton buyers that flexibility helps across FHA, conventional, and government loan options. Either way, you work with a loan officer you can actually reach.