Ohio mortgages · every county

Mortgages in Ohio.

Nick Grisanti
Nick Grisanti
Mortgage Loan Originator · NMLS #2719729FL #LO138662 · OH #MLO-OH.2719729 · TN #2719729 · TX SML licensedC2 Financial Corporation · NMLS #135622

Purchase, refinance, home equity and investment property loans in all 88 Ohio counties, from 100+ wholesale lenders through C2 Financial Corporation.

  • 100+Wholesale lenders
  • 88Ohio counties
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What can we help you with?
LicensedStatewide in Ohio C2 Financial CorporationLicensed mortgage broker 100+ lendersWholesale network
Loans in Ohio

Loan programs

Columbus, Cleveland, Cincinnati, Dayton and Akron are some of the most active rental markets in the Midwest. Nick is licensed as a Mortgage Loan Originator in Ohio and works with buyers, homeowners and investors statewide.

Most common Conventional Fannie Mae and Freddie Mac loans for primary homes, second homes and investment property. Conventional loans → Flexible credit FHA Low down payment and flexible credit guidelines for a primary home. FHA loans → Veterans VA For eligible veterans, service members and surviving spouses. VA loans → Higher prices Jumbo Loan amounts above the conforming limit. Jumbo loans → Investors DSCR Investment property loans that qualify on the property's rental income. DSCR loans → Self-employed Bank statement For self-employed borrowers whose tax returns understate their income. Bank statement loans → Home equity HELOC and cash-out Borrow against your home's equity with a line of credit or a cash-out refinance. Compare options →

Not every lender offers every program in every state, and all loans are subject to credit approval and program guidelines. Nick compares 100+ wholesale lenders through C2 Financial Corporation to find the programs that fit your scenario.

Local rules and costs

What's different about Ohio

Closing Conveyance fee Ohio charges a state conveyance fee of $1 per $1,000 of the sale price, and most counties add up to $3 per $1,000. Your county auditor sets the local rate.
Taxes Local income taxes Many Ohio cities and some school districts charge their own income tax on top of the state's. Lenders count it when they work out your take-home pay.
Homestead Homestead exemption Qualifying owners who are 65 or older or permanently disabled can apply with the county auditor, subject to income limits.
Loan limits FHA at the floor Most Ohio counties use the national FHA floor, which covers most purchase prices in the state.
Investors Rental property in Ohio A DSCR loan qualifies on the property's rent rather than your personal income, which suits investors who own several properties or live outside Ohio. How DSCR works →
2026

Loan limits in Ohio

Conforming · 1 unit $832,750 Baseline limit for most Ohio counties, set by FHFA.
FHA · 1 unit From $541,287 The national floor; some higher-cost counties go up to $1,249,125.
VA No set cap With full entitlement. Lender limits still apply.

Check your county's FHA limit with HUD's lookup. Two- to four-unit properties have higher limits. Nick confirms the current figures for your county before every rate lock.

Any state

Guides and tools

Calculators Tools Payment, affordability, DSCR, refinance and rent vs. buy. Quick estimates. Open tools → Start here Mortgage 101 Rates, APR, points, mortgage insurance and the terms you'll see on a Loan Estimate. Read the guide → Buying Pre-approval What a real pre-approval involves and why sellers care. Read the guide → Applying Document checklist What to gather before you apply, by income type. See the checklist → Investors DSCR explained How rental income qualifies an investment property loan. Read the guide → All guides Guides Every guide on the site, plus free PDF downloads. Browse guides →
Questions

FAQ

Is Nick Grisanti licensed in Ohio?
Yes. Nick Grisanti is licensed as a Mortgage Loan Originator in Ohio, and loans are originated through C2 Financial Corporation. License numbers are at the top of this page.
What is the Ohio conveyance fee?
A state fee of $1 per $1,000 of the sale price plus a county fee of up to $3 per $1,000, depending on the county. It's usually paid by the seller, but check your contract.
Can I get a HELOC in Ohio?
Yes, on a primary home or, with some lenders, a second home or investment property. Limits depend on your equity, credit and the lender's program.
Can I buy a rental property in Ohio if I live in Florida?
Yes. DSCR and conventional investment loans don't require you to live in Ohio. Business-purpose loans are subject to lender guidelines.
Does Nick lend everywhere in Ohio?
Yes. Nick is licensed throughout Ohio and works with buyers and homeowners in all 88 Ohio counties.
Also licensed in

Other states

Investment property in another state? Business-purpose loans (for example, DSCR loans for rental and investment properties) may be available in other states, subject to state rules and lender guidelines. Call Nick or email Nick for details.