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Now Lending in Ohio

Ohio home loans —
across the Buckeye State.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across all of Ohio. From first-time buyers in Columbus to move-up purchases in Cleveland and Cincinnati, we bring local guidance to the Buckeye State and beyond — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Statewide
All 88 Ohio Counties
14 days*
Close In As Little As
$832,750
2026 OH Conforming Limit
5.0 ★
Google Review Rating
Ohio Markets

Local lending across
every region of Ohio.

Columbus & Central Ohio

The state's fast-growing capital region — Columbus and the surrounding suburbs — for first-time buyers, relocations, and new construction.

  • Franklin County
  • Columbus, Dublin, Worthington, New Albany
  • First-time & new-construction programs
  • Jumbo financing for New Albany & Upper Arlington luxury
Cleveland & the Northeast

From the North Coast to the Rubber City and the Mahoning Valley — primary homes, renovations, and investment properties across Northeast Ohio.

  • Cuyahoga, Summit, Stark & Mahoning counties
  • Cleveland, Akron, Canton, Youngstown
  • Historic rehab & renovation financing
  • Investment & rental properties (DSCR)
Cincinnati, Dayton & Toledo

From the Queen City and the Gem City to the Glass City on Lake Erie — affordable, VA-friendly, and move-up lending across the rest of the state.

  • Hamilton, Montgomery & Lucas counties
  • Cincinnati, Dayton, Toledo
  • First-time, affordable & relocation programs
  • Jumbo financing for Hyde Park & Oakwood luxury
ColumbusClevelandCincinnatiToledoAkronDaytonCantonYoungstown
Loan Programs in Ohio

Financing for every
kind of Ohio buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Ohio homebuyers.

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VA Loans

0% down for Ohio's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within Ohio's $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Ohio's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Ohio investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Ohio's self-employed borrowers.

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FAQ

Ohio mortgage
questions answered.

We serve borrowers statewide across Ohio — from Columbus and central Ohio to Cleveland and the North Coast, Cincinnati and the southwest, Toledo on the lakeshore, and the Akron–Canton and Mahoning Valley regions. That includes Franklin, Cuyahoga, Hamilton, Lucas, Summit, Montgomery, Stark, Mahoning, and every other Ohio county.
The 2026 conforming loan limit is $832,750 across all Ohio counties — from Columbus and Cleveland to Cincinnati and Toledo. Loan amounts above that limit are financed as jumbo loans.
Ohio borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Ohio home journey?

Get pre-approved today — no cost, no obligation. Ohio borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825