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Southwest Ohio · OhioMortgage lender in Montgomery County, OH
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Ohio and makes purchase and refinance loans in Montgomery County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Ohio. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
Buying in Montgomery County
Montgomery County, with its county seat in Dayton, also takes in Kettering, Huber Heights, Centerville, Miamisburg, Trotwood and Vandalia. Montgomery 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
- $541,287 (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. Montgomery 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.
Montgomery County: Dayton and Wright-Patterson
Wright-Patterson Air Force Base, just east of Dayton, is one of the largest employers in Ohio, so VA loans are a regular part of this market for both service members and veterans working there as civilians. We request the Certificate of Eligibility at the start.
Dayton has very moderate prices and older housing. Small loan amounts have their own pricing and limits, so tell us the price early, and expect an FHA or VA appraisal to look closely at condition. Kettering, Centerville, Oakwood and Washington Township, to the south, are the higher-priced suburbs, and Huber Heights, to the north, is popular with base families.
Montgomery County by the numbers
- Median home value
- $180,900 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 1.73% of home value a year: median tax bill $3,127 on a median value of $180,900 (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
- Dayton, Kettering, Huber Heights, Centerville (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $180,900. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
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 Montgomery County buyers ask
Does Stellar Mortgage lend in Montgomery County, OH?
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Ohio and makes purchase and refinance loans in Montgomery County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Ohio and works Ohio files from our Southampton, PA office by phone, secure portal and e-signature.
What are the 2026 loan limits in Montgomery County?
For 2026 the conforming loan limit for a one-unit home in Montgomery County is $832,750 and the FHA limit is $541,287. Montgomery County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Limits for two- to four-unit properties are higher.
Is there down payment help for buyers in Montgomery County?
The Ohio Housing Finance Agency (OHFA) runs Ohio’s homebuyer programs, which can include help with the down payment and closing costs for buyers who meet its income and price limits. Stellar Mortgage is not a participating lender for those programs, so this is general information; the agency’s website lists participating lenders.
Who pays the transfer tax in Montgomery County?
Ohio counties charge a conveyance fee when a deed is recorded and may add a transfer tax of up to $3 per $1,000 of value, so the rate depends on the county. The contract sets who pays.
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 Montgomery County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.
Get pre-approved in Montgomery County
Three quick steps, about a minute. No Social Security number, no pay stubs. Steve calls you back, usually the same business day.
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“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
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