Mortgage lender in Franklin County, OH

Buying in Franklin County

Franklin County, with its county seat in Columbus, also takes in Dublin, Westerville, Grove City, Hilliard, Gahanna, Reynoldsburg and Upper Arlington. Franklin County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Ohio, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$591,100 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

title company

State housing agency

Ohio Housing Finance Agency (OHFA) (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Franklin County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Franklin County: Columbus and its suburbs

Columbus is the fastest-growing large city in Ohio, and new construction is steady in Hilliard, Grove City, Canal Winchester and the far east and west sides. State government, the university and health care employ many buyers, whose income usually documents cleanly.

Older neighborhoods such as German Village, Clintonville and the Short North have homes a century old, where appraisal condition comes up, and condominiums near downtown need the association reviewed. Near the university, tell us whether a property is for you or will be rented to students. School district lines do not follow city lines here, and they change the tax bill, so we use the tax record for the address.

Franklin County by the numbers

Median home value

$288,400 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.47% of home value a year: median tax bill $4,244 on a median value of $288,400 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

County conveyance fee plus a county transfer tax of up to $3 per $1,000 of value, so the rate depends on the county (Ohio Revised Code § 322.02)

Largest communities

Columbus, Grove City, Dublin, Hilliard (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $288,400. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $591,100.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Ohio

Closings in Ohio are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Ohio page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Franklin County buyers ask

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

Limits shown are the 2026 FHFA and HUD figures for Franklin County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.