Mortgage Lenders in Ohio

Find the best Ohio mortgage loans to fit your needs and budget

By John Fuller

Ohio mortgage brokers can help you secure the best home loan possible, whether you’re looking for a colonial in Shaker Heights, an apartment in downtown Cleveland or a ranch in Toledo. Ohio mortgage loans are plentiful, but finding one that offers the best terms and options can be time-consuming. Ohio mortgage brokers can help you save time in your search for financially attractive mortgage loans.

Ohio mortgage brokers have the experience and connections to examine thousands of different Ohio mortgage companies and deals. When looking for Ohio mortgage companies or brokers, look for professionals who have a keen understanding of the residential market in your particular area.

To find the best Ohio mortgage loans:

Make sure you're working with reputable mortgage companies in Ohio by checking records with government and better-business groups.
Start your search online and look at rates and terms on a variety of websites for brokers and mortgage companies in Ohio.
Don't limit yourself to Ohio mortgage lenders or an Ohio-based broker. National loan originators and brokers may offer the best terms on Ohio mortgage loans.

Search local Ohio mortgage brokers and lenders associations

Ohio mortgage lenders associations and mortgage brokers associations can help you find professionals who understand the local housing market.
Try: At the Ohio Association of Mortgage Brokers, you can search for brokers by city. Ohio Mortgage Bankers Association offers a variety of helpful consumer tools and allows you to search for mortgage lenders in OH.

Consider local and regional banks for Ohio mortgage loans

Local and regional banks are some of the most common mortgage lenders in Ohio.
Try: To find banks that are mortgage lenders in Ohio, visit Mortgage-X.com, LocalLender.info or USCITY.net.

Use online sources for Ohio mortgage companies

To find a mortgage company, Ohio residents should take advantage of numerous online sources.
Try: MortgageLoan.com lets you search their list of Ohio mortgage companies and brokers by city as does CityLoans.com. Many mortgage brokers and mortgage lenders in Ohio are listed online, such as Consumers' Choice Mortgage and Carlyle Mortgage Services.

Ohio mortgage loans are also available from national mortgage lenders

When shopping for a mortgage, Ohio residents can also tap into national mortgage brokers and lenders.
Try: Consider national lenders, such as GMAC Mortgage or Wachovia, or check out Equifax, which offers a nationwide mortgage referral service. Veterans may qualify for a loan through the VA Mortgage Center.com or USAA.com, where you can get pre-approved for Ohio mortgage loans.

Check with legal authorities about mortgage companies in Ohio

Make sure the Ohio mortgage lenders or mortgage brokers you're considering are trustworthy and haven't been reported by borrowers for shady business practices.
Try: Check for complaints about Ohio mortgage companies with the State of Ohio Department of Commerce’s Division of Financial Institutions, the Better Business Bureau in Northeast Ohio (including Cleveland), the BBB in Northwestern Ohio (including Toledo) or the BBB in Southern Ohio (including Cincinnati).

Find out what local experts are saying about mortgage companies in Ohio

Local real estate experts, including your own real estate agent, can provide information on mortgage brokers, Ohio mortgage lenders and other tips on the market for house, condo or apartment hunters.
Try: The Cleveland, Ohio Real Estate Blog and real estate agent Amy Broghamer’s Cincinnati Real Estate Blog cover the Ohio mortgage and real estate scene. Find real estate agents at the Ohio Association of Realtors.

Mortgage companies in Ohio should be familiar with Ohio fees and should have a network of local appraisers and title companies to make the process go more smoothly.
Ohio mortgage rates from your bank are negotiable. Shop around for rates from mortgage brokers and Ohio mortgage lenders before approaching your local bank.
Rate quotes on Ohio mortgage loans should all be from the same time period due to market fluctuations.
Tied mortgage brokers don't charge an upfront fee, but work with a limited number of mortgage companies in Ohio who pay them a commission should you choose their mortgage.
An independent broker charges an upfront fee but casts a wider net, offering a variety of deals from a host of Ohio mortgage lenders.