Now Lending in Cincinnati
Cincinnati home loans —
the Queen City.
Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Cincinnati and Hamilton County. From restored Italianate rowhomes in Over-the-Rhine to hillside streets in Hyde Park, we bring local guidance to the Queen City — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.
Hamilton County
Cincinnati Coverage
14 days*
Close In As Little As
$832,750
2026 Hamilton County Conforming Limit
5.0 ★
Google Review Rating
Cincinnati Markets
Local lending across
every Cincinnati neighborhood.
Cincinnati Neighborhoods
A revitalized historic core, walkable hilltop districts, and established eastern suburbs.
- Over-the-Rhine & Downtown
- Hyde Park & Oakley
- Mount Adams & Clifton
- Madeira & Montgomery
Corporate & Consumer Goods
A stable Fortune 500 economy with historic architecture and very attainable home prices.
- First-time & relocation programs
- Historic rehab financing
- Hamilton County coverage
- Minutes to Downtown & I-71
Every Kind of Cincinnati Buyer
From first homes to move-up, luxury, and investor purchases.
- First-time & move-up buyers
- Historic rehab & renovation loans
- Jumbo financing for Hyde Park luxury
- Investment & rental properties (DSCR)
Over-the-RhineDowntownHyde ParkOakleyMount AdamsCliftonMadeiraMontgomeryMount Lookout
Loan Programs in Cincinnati
Financing for every
kind of Cincinnati buyer.
FAQ
Cincinnati mortgage
questions answered.
We serve homebuyers and homeowners throughout Cincinnati and Hamilton County, including Over-the-Rhine, Hyde Park, Oakley, and Mount Adams, plus Madeira and Montgomery.
The 2026 conforming loan limit is $832,750 in Hamilton County, including Cincinnati. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Cincinnati 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 Cincinnati home journey?
Get pre-approved today — no cost, no obligation. Cincinnati borrowers, let's get you to the closing table.