We originate Ohio mortgages from our Blacklick headquarters through a licensed loan officer who stays with the file from the first question to closing. The six published city pages below are not interchangeable: Columbus prices like a different state from Cleveland or Dayton, and Cincinnati files can cross into Kentucky.
Answer a few questions for a starting home-price range in Ohio — then a licensed officer can match the loan to the metro.
No credit pull. No obligation. No calls unless you ask for one.
Takes about 3 minutes. Not a loan application or commitment to lend.
Intra-Mortgage is a licensed lender (NMLS #2620605) headquartered in Blacklick, in the Columbus metro. Loan officers licensed in Ohio originate here — you get one person on the file, not a national portal and not a call center three states away.
This page is the statewide decision layer: which of the six published metros you are buying in, which Ohio financing variables change the file, and which loan direction or officer to open next. Neighborhood inventory lives on the city pages. OHFA and FHA/VA mechanics live in the Ohio guides.
Ohio is a title-company state. Financed purchases here typically close in 35–42 days. The snapshot at left is statewide; Columbus, Cleveland, and Dayton are not the same equation on price, speed, or which loan programs actually show up.
These six published city pages are not six copies of the same Midwest market. Open the metro that matches the house — then come back here for OHFA, county FHA limits, and closing timing that apply statewide.
The highest-priced of the six published metros, and Ohio’s growth engine. Columbus-area FHA limits can sit above the statewide floor; jumbo is still uncommon at the city median.
Mortgage lender in ColumbusRoughly half Columbus’s median. Neighborhood condition and FHA property standards show up more often than loan-limit math.
Mortgage lender in ClevelandCompetitive, with demand that does not stop at the Ohio River. Hamilton, Butler, Warren, and Clermont files are Ohio; Northern Kentucky is a different license.
Mortgage lender in CincinnatiAffordable, with sharper recent price gains than the big three. FHA and low-down paths are the usual fit; USDA can appear just outside the city.
Mortgage lender in ToledoCleveland-adjacent value that has been moving faster than the statewide median. Pre-approval speed matters more here than loan-limit headroom.
Mortgage lender in AkronThe most approachable of the six on price, with a slight recent dip. Wright-Patterson is why VA is part of the local conversation.
Mortgage lender in DaytonThese are programs Intra-Mortgage actually offers. Eligibility depends on the borrower, the property, and the county. The cards point to the detailed guide; they are not a substitute for it.
Ohio's FHA share of purchase loans is 23% — above the national average of 17%. County limits and older-home property standards usually matter more than the 3.5% down payment.
FHA loans in Ohio3–5% down when credit and the payment fit. More common in Columbus and Cincinnati suburbs where price and credit support it.
Conventional loan guideZero down and no monthly mortgage insurance with full entitlement. Wright-Patterson and other Ohio installations make VA a regular local conversation — especially in Dayton.
VA loans in OhioOHFA down payment assistance can layer on an FHA, VA, USDA, or conventional first mortgage. Income and purchase-price limits apply by county.
Ohio first-time buyer programsZero-down financing in eligible rural areas — a first-mortgage path, not a down-payment overlay. Most of the six published metros are not USDA territory; outlying counties often are.
USDA loan optionsLower the rate, shorten the term, or tap equity. We run the break-even math before anyone applies.
Refinance optionsStatewide variables that change qualification even when two Ohio homes list at similar prices. City pages and program guides carry the mechanics.
As of May 2026, Columbus’s median ($300,770) is more than double Cleveland’s ($141,915) and Dayton’s ($137,917). That gap changes credit, down payment, and whether FHA or conventional is the realistic path — open the city page for the house, not a statewide average.
Most Ohio counties use the 2026 FHA floor of $541,287 — including Cuyahoga and Summit. Franklin, Delaware, Licking, and neighboring Columbus-metro counties sit above that floor. Confirm the county, then use the FHA Ohio guide for how the limit is applied.
OHFA Down Payment Assistance, Grants for Grads, and Ohio Heroes can sit on an FHA, VA, USDA, or conventional first mortgage from a participating lender. Qualifying for assistance is not the same as qualifying for the loan. City programs (Columbus ADDI, Cincinnati ADDI) only apply inside those city limits.
Title company state with an efficient county recording process. Typical financed purchases close in 35–42 days. Greater Cincinnati is the exception worth flagging: a Kentucky address is a different recording and licensing problem, not an Ohio OHFA file.
Wright-Patterson Air Force Base makes VA entitlement a regular Dayton conversation. Ohio also offers an enhanced disabled-veteran homestead exemption — the VA Ohio guide covers how that interacts with the loan, not this page.
Ohio Housing Finance Agency programs are designed to sit on top of a first mortgage from a participating lender. Use this list to see why a program might fit; the first-time buyer guide has the eligibility rules. City-only grants are not listed here.
Ohio first-time buyer programs — OHFA eligibility and how assistance layers
No credit pull to start. Program terms change; we confirm current eligibility with you.
These loan officers are licensed to originate in Ohio. You work with one person from pre-qualification through closing.
Licensed in:
Statewide program detail lives in the insights library. City pages stay focused on the local market.
County limits, MIP, and how FHA works with OHFA statewide
Read FHA Loans in OhioEntitlement, funding fee, and Ohio’s disabled-veteran homestead exemption
Read VA Loans in OhioOHFA DPA, Grants for Grads, Ohio Heroes, and city programs
Read Ohio First-Time Buyer ProgramsColumbus’s median is more than double Cleveland’s and Dayton’s as of May 2026. That changes whether conventional is realistic, whether the county FHA cap matters, and how much OHFA assistance can cover. Pick the city page for the house; this page is for the statewide comparison.
Statewide options run through OHFA: Down Payment Assistance (3% conventional or 3.5% FHA/VA/USDA), Grants for Grads, and Ohio Heroes. Amounts, income limits, and occupation rules depend on the program. Columbus and Cincinnati also run city-limit ADDI programs that are not statewide. The first-time buyer guide has eligibility detail.
No. Most counties use the 2026 FHA floor of $541,287. The Columbus metro is the high-cost exception. Cuyahoga (Cleveland) and Summit (Akron) sit at the floor. Confirm the county, then read the FHA Ohio guide.
Most financed purchases close in 35–42 days. Title company state with an efficient county recording process. Conventional files with clean documents land on the short end; FHA and VA often run a little longer because of extra appraisal and program steps.
Yes. Headquarters is 1010 Jackson Hole Dr., Suite 101, Blacklick, OH 43004. We originate Ohio mortgages through loan officers licensed in Ohio — one person on the file, not a 1-800 round-robin. We do not claim a branch in every metro.
With full VA entitlement, no — and there is no monthly mortgage insurance. OHFA Ohio Heroes is a separate state first-mortgage with a discounted rate that some veterans pair or compare against a standard VA loan. We run both on your numbers; the VA Ohio guide covers entitlement mechanics.
See what you qualify for in a few minutes, or talk to a loan officer licensed in Ohio who can place you in the right metro conversation.