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mortgages Buying a Home - Ohio Real Estate and Mortgages

Buying a Home - Ohio mortgages, down payment assistance and first time home buyer grants for buying Ohio real estate.

Research the available Ohio mortgages and home loan programs for buying Ohio real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Ohio real estate. 


Government grants for buying a home

Here are some links for government grants for buying a home in Ohio.

State Programs

Ohio Housing Finance Agency 
http://www.odod.state.oh.us

Office of Housing and Community Partnerships - the Ohio Department of Development
http://www.odod.state.oh.us/

Community development corporations in Ohio
http://www.ohiocdc.org/

A statewide listing of recipients - of community development block grant and/or HOME investment partnership funds. Many of these grantees have homeownership programs.

Community Phone Numbers/Web Sites

Akron (330) 375-2770 
http://www.ci.akron.oh.us/

Alliance (330) 829-2235 
http://www.alliance.oh.us/

Barberton (330) 848-6729 
No web site

Bowling Green (419) 354-6220 
http://www.bgohio.org

Canton (330) 489-3258 
http://www.cityofcanton.com/

Cincinnati (513) 352-6264 
http://www.rcc.org/

Cleveland (216) 664-2869 
http://www.city.cleveland.oh.us/

Cleveland Heights (216) 291-4878 
http://www.clevelandheights.com/

Columbus (614) 645-7492 
http://ci.columbus.oh.us/

Dayton (937) 333-3809 
http://www.ci.dayton.oh.us/

East Cleveland (216) 681-2322 
http://www.eastcleveland.org/

Elyria (440) 322-3900 
http://www.ci.elyria.oh.us/

Euclid (216) 289-8158 
http://www.ci.euclid.oh.us/

Fairborn (937) 754-3016 
http://ci.fairborn.oh.us/city/index.htm

Hamilton (513) 875-7350 
http://www.hamilton-city.org/

Kent (330) 678-8108 
http://www.kentohio.org/

Kettering (937) 296-2441 http://www.ketteringoh.org/Welcome.shtml

Lakewood (216) 529-6630 
http://www.ci.lakewood.oh.us/

Lancaster (740) 687-6663 
http://www.ci.lancaster.oh.us/

Lima (419) 221-5146 
http://www.cityhall.lima.oh.us/

Lorain (440) 204-2020 
No web site

Mansfield (419) 755-9793 
http://www.ci.mansfield.oh.us/

Marietta (740) 373-9354 
http://www.mariettaohiogov.info/

Massillon (330) 830-1721 
http://www.massillonohio.com/

Mentor (440) 255-1100 
http://www.cityofmentor.com/

Middletown (513) 425-7941 
http://www.ci.middletown.oh.us/

Newark (740) 349-6695 
http://www.ci.newark.oh.us/

Parma (440) 845-8444 
No web site

Springfield (937) 324-7371 
http://www.ci.springfield.oh.us/

Steubenville (740) 283-6076 
http://www.ci.steubenville.oh.us/

Toledo (419) 245-1400 
http://www.ci.toledo.oh.us/

Warren (330) 841-2595 
http://www.warren.org

Youngstown (330) 744-0854 
No web site

Butler County (513) 887-3413 
http://www.butlercountyohio.org/

Cuyahoga County (216) 443-7260 http://www.cuyahoga.oh.us/home/default.asp

Franklin County (614) 462-5631 
http://www.co.franklin.oh.us/

Hamilton County (513) 946-4888 
http://www.hamilton-co.org/

Lake County (440) 350-2740 
http://www.lakecountyohio.org/

Montgomery County (937) 225-6341 http://www.co.montgomery.oh.us/

Stark County (330) 451-7389 
http://www.co.stark.oh.us/

Summit County (330) 643-2569 
http://www.co.summit.oh.us/

State of Ohio (614) 466-2285 
http://www.state.oh.us/

Veteran's Administration - properties for sale in Ohio http://www.vba.va.gov/ro/central/cleve/REO_sales.htm

County Programs

Cincinnati/Hamilton County Homeownership Programs

Urban Homesteading Program
Two Centennial Plaza, Suite 700
805 Central Avenue
Cincinnati, OH 45202
(513) 352-3743
http://www.rcc.org/communitydevelopment/  

CMHA HOPE VI Program
1627 Western Avenue
Cincinnati, OH 45214 (513) 421-8190
http://www.cintimha.com/hop_index.asp

Better Housing League
2400 Reading Road
Cincinnati, OH 45202 -1429 (513) 721-6855
http://www.betterhousing.org/

Home Ownership Center of Greater Cincinnati
2820 Vernon Place
Cincinnati, OH 45219 (513) 961-2800
http://www.hometoday.cc/buy_home.htm  

Cincinnati Habitat for Humanity (Community Land Cooperative of Cincinnati)
717 Elm Street
Cincinnati, OH 45202
(513) 621-4147 http://www.cincinnati-habitat.org/

Greater Cincinnati Mortgage Services, Inc.
7710 Reading Road, Suite 103
Cincinnati, OH 45237
(513) 948-8820
http://www.gcmcs.org/

Corryville Community Development Corporation
2606 Vine Street
Cincinnati, OH 45219
(513) 281-7224

JIREH Development Corporation
1055 Laidlaw Avenue
Cincinnati, OH 45237
(513) 242-5200, ext. 115

Miami Purchase Preservation Fund
1832 Freeman Avenue
Cincinnati, OH 45214 (513) 241-0504

Over the Rhine Housing Network
220 East Clifton Avenue
Cincinnati, OH 45210
(513) 369-0004

North Fairmont Community Center
2569 St. Leo Place
Cincinnati, OH 45225 (513) 921-5842

Women's Research and Development Ctr.
1905 Elmore Street
Cincinnati, OH 45223
(513) 541-0541

Elisah Community Development Corporation
3400 Woodburn Ave
Cincinnati, OH 45207
(513) 221-5221

Working in Neighborhoods
3726 Llewellyn Avenue
Cincinnati, OH 45223 (513) 541-4109

Avondale & Walnut Hills Redevelopment Corporations
2601 Melrose Avenue
Cincinnati, OH 45206
(513) 281-7070

Camp Washington Community Board
2951 Sidney Avenue
Cincinnati, OH 45225 (513) 542-1637

Cincinnati Housing Partners
3329 Glenmore Avenue
Cincinnati, OH 45211 (513) 662-9729

Community Land Cooperative of Cincinnati
727 Ezzard Charles Drive
Cincinnati, OH 45203
(513) 721-2522
http://www.geocities.com/CapitolHill/Lobby/5806/

Cleveland/Cuyahoga County Homeownership Programs

Clark Metro Development Corporation (216) 741-9500 http://www.retailspacescleveland.com

City of Cleveland - Department of Community Development http://www.city.cleveland.oh.us

Cleveland Housing Network (216) 574-7100
http://www.chnnet.com/

Glenville Development Corporation (216) 851-8724

Hough Area Partners in Progress (216) 229-4277

Neighborhood Housing Services (216) 348-8325

Ohio Near West Development Corporation (216) 781-3222

Shaker Square Area Dev. Corp. (216) 751-9204
http://www.shakersquareareadevelopment.org/

St. Clair Superior Coalition (216) 881-0664

Stockyard Area Development Association (216) 631-1270

Tremont Area Development Corporation (216) 575-0920

Union-Miles Development Corporation (216) 341-0757

Cleveland/Cuyahoga County Homeownership Programs

Clark Metro Development Corporation (216) 741-9500 http://www.retailspacescleveland.com

City of Cleveland - Department of Community Development http://www.city.cleveland.oh.us

Cleveland Housing Network (216) 574-7100
http://www.chnnet.com/

Glenville Development Corporation (216) 851-8724

Hough Area Partners in Progress (216) 229-4277

Neighborhood Housing Services (216) 348-8325

Ohio Near West Development Corporation (216) 781-3222

Shaker Square Area Dev. Corp. (216) 751-9204
http://www.shakersquareareadevelopment.org/

St. Clair Superior Coalition (216) 881-0664

Stockyard Area Development Association (216) 631-1270

Tremont Area Development Corporation (216) 575-0920

Union-Miles Development Corporation (216) 341-0757

Columbus/Franklin County Homeownership Programs

City of Columbus homebuying programs
http://hcs.td.ci.columbus.oh.us/

Franklin County homebuying programs
http://www.co.franklin.oh.us/commissioners/ced/

Columbus housing partnership (614) 221-8889

Columbus neighborhood housing services (614) 224-3603

Homes on the hill (614) 275-4663

Dayton/Montgomery County Homeownership Programs

Citywide Development Corporation
8 North Main Street
Dayton, OH 45402
(937) 226-0457
http://www.citywidedev.com/

County Corps
40 West Fourth Street Suite 1600
Dayton, OH 45402
(937) 225-6328
http://www.countycorp.com

City of Dayton Dept. of Planning and Community Development
101 W. Third Street
Dayton, OH 45402
(937) 333-2981
http://www.ci.dayton.oh.us/planning/housing.asp

City of Kettering
3600 Shroyer Rd
Kettering, OH 45429
(937) 296-2441
http://www.ketteringoh.org/depts/housing/index.shtml

Dayton Habitat for Humanity
1041 S. Patterson Road
Dayton, OH 45402
(937) 586-0860
http://www.daytonhabitat.org/

EDREI
124 East Third Street
Suite 403
Dayton, OH 45402
(937) 461-4607

Lutheran Social Services
3131 S. Dixie Drive, Suite 300
Dayton, OH 45429
(937) 643-2227

St. Mary's Development Corporation
713 West Grand Avenue
Dayton, OH 45406
(937) 259-1880

Dayton View Community Development Corp.
Dayton, OH
(937) 333-3310

Ecumenical Neighborhood Development Corp.
327 South Paul Laurence Dunbar Street
Dayton, OH 45407
(937) 222-2577
http://www.endc.org

Innerwest Community Development Corporation
1024 West 3rd Street
Dayton, OH 45402
(937) 333-6544

Oikos Community Development Corp.
Dayton, OH
(937) 278-9096

EDREI, Corp.
124 East 3rd Street Suite 403
Dayton, OH 45402
(937) 461-4607

County Corp.
40 West 4th Street Suite 1600
Dayton, OH 45402
(937) 225-6328

City of Kettering 3600 Shroyer Rd
Kettering, OH 45429
(937) 296-2441
http://www.ketteringoh.org/depts/housing/index.shtml

Hamilton/Middletown/Butler County Homeownership Programs

Neighborhood Housing Services of Middletown, Inc.
1326 Central Avenue
Middletown, OH 45044
(513) 420-9193

Neighborhood Housing Services of Hamilton, Inc.
100 S. Martin Luther King, Jr. Blvd.
Hamilton, OH 45011
(513) 737-9301

Springfield/Clark County Homeownership Programs

City of Springfield homeownership programs http://www.ci.springfield.oh.us/depts/hr/housing.htm

Neighborhood housing partnership of greater Springfield
http://www.springfieldnhp.org/home2.htm

Other Homeownership Programs

City of Akron - Department of Planning and Urban Development
http://www.ci.akron.oh.us

City of Canton - Department of Community Development
http://www.ci.canton.oh.us  

City of Elyria - Department of Community Development http://www.ci.elyria.oh.us

City of Lakewood - Department of Community Development http://www.ci.lakewood.oh.us

City of Mansfield - Department of Community Development
http://www.ci.mansfield.oh.us

City of Massillon - Department of Housing http://www.massillonohio.com/housing

City of Toledo - Department of Neighborhoods http://www.ci.toledo.oh.us

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Ohio.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Ohio or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Ohio.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Ohio Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Ohio real estate of homes for sale.

Complete the form below for direct access to the following types of Ohio real estate listings:

  • Ohio Real Estate Listings and MLS
  • Ohio HUD Homes
  • Ohio For Sale By Owner Homes
  • Ohio New Homes for Sale
  • Ohio Foreclosure Homes for Sale
Access Ohio Real Estate Listings

You will get free unlimited access to search Ohio real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

First & Last Name

Email Address

How soon will you be buying a home?


You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

May we contact you via email

 

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