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Now Lending in Columbus

Columbus home loans —
the heart of central Ohio.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Columbus and Franklin County. From brick streets in German Village to new builds in the suburbs, we bring local guidance to Ohio's capital and largest city — 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
Franklin County
Columbus Coverage
14 days*
Close In As Little As
$832,750
2026 Franklin County Conforming Limit
5.0 ★
Google Review Rating
Columbus Markets

Local lending across
every Columbus neighborhood.

Columbus Neighborhoods

A walkable urban core, historic in-town districts, and fast-growing outer suburbs.

  • Short North & Downtown
  • German Village & Merion Village
  • Clintonville & Worthington
  • Dublin & New Albany
Eds, Meds & Insurance

A steady, diversified economy anchored by Ohio State, healthcare, and insurance headquarters.

  • First-time & relocation programs
  • New-construction financing
  • Franklin County coverage
  • Minutes to OSU & Downtown
Every Kind of Columbus Buyer

From first homes to move-up, luxury, and investor purchases.

  • First-time & move-up buyers
  • New construction & renovation loans
  • Jumbo financing for New Albany luxury
  • Investment & rental properties (DSCR)
Short NorthGerman VillageClintonvilleWorthingtonDublinNew AlbanyUpper ArlingtonDowntownBexley
Loan Programs in Columbus

Financing for every
kind of Columbus buyer.

FHA Loans

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

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VA Loans

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

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

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

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Columbus mortgage
questions answered.

We serve homebuyers and homeowners throughout Columbus and Franklin County, including the Short North, German Village, Clintonville, and Worthington, plus Dublin and New Albany.
The 2026 conforming loan limit is $832,750 in Franklin County, including Columbus. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's luxury and higher-priced homes.
Columbus 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 Columbus home journey?

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

Start My Application Call (561) 299-5825