Mortgage pre-approval in Ohio.

Closing commonly handled by

title company

State housing agency

Ohio Housing Finance Agency (OHFA)

Stellar agency approval

Not a participating lender

2026 conforming limit

$832,750 in every county

2026 FHA limit

$541,287 to $591,100, by county

Our license

Residential Mortgage Lending Act Certificate of Registration

Company NMLS

#2190975

Your officer

Steve Umansky, NMLS #61764

What we offer in Ohio

Purchase and refinance loans for primary residences, second homes and investment properties. We offer conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, including bank statement and DSCR loans. Full list: all loan programs.

How closings work in Ohio

Ohio closings are commonly handled by a title company. Property taxes are billed in arrears, so the seller credits the buyer at closing for taxes not yet billed, and we show that credit in your numbers.

Transfer and recording taxes. Ohio counties charge a conveyance fee when a deed is recorded, and state law lets a county add a transfer tax of up to $3 for each $1,000 of value, so the combined rate depends on the county. The contract sets who pays. Source: Ohio Revised Code § 322.02. Property taxes are set locally; we take the figure from the tax record for the address.

Loan limits in Ohio

For 2026 the conforming loan limit for a one-unit home is $832,750 in every county. Loans above the county limit are jumbo. FHA limits are set separately by HUD for each county. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

First-time buyer programs in Ohio

The Ohio Housing Finance Agency (OHFA) runs Ohio’s homebuyer programs, which can include a first mortgage and help with the down payment and closing costs for buyers who meet its income and purchase price limits. This is general information: Stellar Mortgage is not a participating lender for these programs. We offer conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, and we will tell you when an agency program looks like the better fit. Official source: Ohio Housing Finance Agency (OHFA). See also our first-time buyer guide.

USDA eligibility is decided address by address: check the property on the USDA eligibility map. VA: no VA minimum credit score; lender overlays apply.

Questions Ohio buyers ask

Ohio notice. Stellar Mortgage Corporation, NMLS #2190975, 729 Grove Ave., Second Floor, Southampton, PA 18966.

Loan limits, tax rates and agency programs are set by third parties and change. Confirm current figures before relying on them. Not a commitment to lend.