Buying your first home in Columbus or Central Ohio should feel exciting, not overwhelming. Together we'll break down what you can comfortably afford, walk through the loan programs that fit your situation, and build a plan that actually makes sense for your life.
We look at income, debts, credit, and savings together so you know your realistic price range — before you fall in love with a house that doesn't fit.
A payment you can afford on paper isn't always a payment you'll enjoy living with. We'll define a monthly number you feel genuinely good about, including taxes, insurance, and PMI.
Different first-time buyer programs have different down payment, credit, and mortgage insurance rules. We compare the options side by side so the trade-offs are clear.
We map out estimated cash-to-close, including down payment, closing costs, prepaids, and reserves — and look at strategies to reduce out-of-pocket cost where possible.
Down payment and closing-cost assistance programs may be available in Ohio based on eligibility, income, property location, and funding availability. We'll review current options that could apply to you.
Many first-time buyers start the conversation before their credit is where they want it. We'll identify simple next steps that can strengthen your profile in the weeks and months ahead.
Use the interactive mortgage calculator to explore price, down payment, taxes, and insurance for a Central Ohio scenario.
It depends on the loan program, home price, and closing costs. Some programs allow lower down payments, and closing costs can sometimes be covered through seller credits, lender credits, or eligible assistance programs. In a consultation, we'll map out a realistic cash-to-close range for your Central Ohio scenario.
Credit requirements vary by loan program and change over time. Credit does not have to be perfect to begin planning — many buyers use the pre-approval conversation to identify simple steps that can strengthen their profile before they shop.
In many cases, yes. Different loan programs treat student-loan payments differently, and how the payment is documented matters. We'll review your statements together and look at the qualifying options that fit your situation.
Down payment and closing-cost assistance programs may be available in Ohio based on eligibility, income, property location, and funding availability. Programs and guidelines change, so we'll review current options during your consultation.
It is usually a good idea. Understanding your buying power, comfortable monthly payment, and cash-to-close first helps you and your Realtor focus on homes that actually fit your plan — and lets you make a strong, informed offer when you find one.
A 30-minute conversation with Ben — no pressure, no obligation. Bring your questions and leave with a clearer plan.
Ben Harris · Loan Officer · Union Home Mortgage · NMLS #2541330
Programs, guidelines and availability are subject to change. This information is for educational purposes and is not a commitment to lend. All loans are subject to credit approval, underwriting approval and applicable program requirements.