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Now Lending in Dayton

Dayton home loans —
the Gem City.

Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Dayton and Montgomery County. From the historic Oregon District to tree-lined streets in Oakwood, we bring local guidance to the birthplace of aviation — 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
Montgomery County
Dayton Coverage
14 days*
Close In As Little As
$832,750
2026 Montgomery County Conforming Limit
5.0 ★
Google Review Rating
Dayton Markets

Local lending across
every Dayton neighborhood.

Dayton Neighborhoods

A historic entertainment district, established in-town enclaves, and popular southern suburbs.

  • Oregon District & Downtown
  • South Park & St. Anne's Hill
  • Oakwood & Kettering
  • Centerville & Beavercreek
Aerospace & Research

An aviation, defense, and research economy anchored by Wright-Patterson with very affordable homes.

  • First-time & affordable programs
  • VA-friendly lending
  • Montgomery County coverage
  • Minutes to Wright-Patterson & I-75
Every Kind of Dayton Buyer

From first homes to move-up and investor purchases.

  • First-time & move-up buyers
  • Historic rehab & renovation loans
  • FHA & VA financing
  • Investment & rental properties (DSCR)
Oregon DistrictDowntownSouth ParkSt. Anne's HillOakwoodKetteringCentervilleBeavercreekBelmont
Loan Programs in Dayton

Financing for every
kind of Dayton buyer.

FHA Loans

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

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VA Loans

0% down for Dayton'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 Dayton's luxury and higher-priced markets above conforming limits.

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Dayton mortgage
questions answered.

We serve homebuyers and homeowners throughout Dayton and Montgomery County, including the Oregon District, South Park, Oakwood, and Kettering, plus Centerville and Beavercreek.
The 2026 conforming loan limit is $832,750 in Montgomery County, including Dayton. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Dayton 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 Dayton home journey?

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

Start My Application Call (561) 299-5825