Conventional
Loans in Ohio

Free Mortgage Rate Quote

One of Ohio’s many draws is that home prices throughout the state are very affordable. Because the average home value is less than the conforming loan limits set by Fannie Mae and Freddie Mac, many homes can be purchased using a conforming loan, also called a “conventional” loan.

What Are The Conforming Loan
Limits In Columbus?

These are the conforming loan limits for Delaware, Fairfield, Franklin and Pickaway Counties:

1 UNIT

$484,350

2 UNITS

$620,200

3 UNITS

$749,650

4 UNITS

$931,600

Zillow currently lists the home value index for Columbus at just $156,200. You can see that this is well under the conforming loan limit for a one-unit home.

Because home prices tend to be low across Ohio, these conforming loan limits are applicable throughout the state.

How To Qualify For A Conventional Loan
In Ohio

Whether you are shopping for a home in Columbus or elsewhere in Ohio, you will qualify for the most competitive loans if:

Your credit score is high and debt-to-income ratio is low.

You are willing and able to make a higher down payment.

You are steadily employed.

Your financial history is stable.

What Our Clients Are Saying

Nicole Klinefelter
Nicole Klinefelter
15:38 16 Sep 22
James and Laura were amazing! They made the home buying process so much easier than others. Also super friendly. Thank you!!!!!
Amrit Gatewood
Amrit Gatewood
18:06 15 Sep 22
Bryce and Laura was awesome to work with! They both communicated every detail and got my Refinance done quickly! I highly recommend them to anyone!
Matthew Miller
Matthew Miller
03:51 09 Sep 22
It was great working with James and Laura! They answered every question and addressed every concern promptly. They were always responsive and got our loan processed quickly. They were pleasant and made me feel as if I was their only customer. I wouldn’t hesitate to use them again! Definitely recommend.
nabyelith el halaby
nabyelith el halaby
13:22 01 Sep 22
Excelente servicio. Muy alegre por su ayuda para la adquisición de la propiedad
kasi weiner
kasi weiner
21:31 26 Aug 22
My fiance and I can not express the gratitude we have for James Mcbain and his team. We closed on our house today and every dead line was met for that to happen in 21 days. We faced a few obstacles on the way and without hesiation the Liberty Capital team flawlessly fixed any and all issues. Highly recommended and without a doubt will refer them to friends and family.
Scorpio Jerome
Scorpio Jerome
22:17 23 Aug 22
Lilly Kuang
Lilly Kuang
00:43 17 Aug 22
Chi Y Nguyen
Chi Y Nguyen
22:12 08 Aug 22
James is very knowledgeable and always available to help. He makes the process as easy as possible for his clients. Thank you James and the team for my smooth closing!
Trent Howard
Trent Howard
14:36 14 Jul 22
I worked with James McBain and Laura Mathews for my second mortgage now and the experience has been seamless. The team made the process very easy on me and I would not hesitate to work with them again in the future.
Tyenna Rodriguez
Tyenna Rodriguez
13:39 26 Jun 22
I had the great experience working with Maria. She was extremely helpful and avaliable throughout this entire process. I'm glad I was able to work with her and I will recommend anyone I know in the market to her. Thank you Maria for your exceptional service.
Peter Guirguis
Peter Guirguis
22:18 24 Jun 22
Wow, simply amazing! Jason Krasnow is my loan officer and he has been nothing short of spectacular! He gets me the BEST rates and keeps me updated throughout the entire process. Laura Matthews is a wizard when it comes to helping you with all of the paperwork and loan docs. This powerful duo is the perfect team to get your loan done right! Highly recommend, five stars all the way!
Kelly Ginn
Kelly Ginn
19:37 24 Jun 22
I have worked with Jarrod Singleton and Liberty Capital for many years. My buyers have always been happy with the communication and accuracy provided and if my buyers are happy, I'm happy. Thank you Jarrod!
Alexandra Quintanilla
Alexandra Quintanilla
16:04 24 Jun 22
Maria offers an excellent service! She’s been great to work alongside with, I know my clients are in great hands with her. Thank you for all you do
jason Krasnow
jason Krasnow
14:40 24 Jun 22
Great Rates and Fast Service!
RYAN FARKAS
RYAN FARKAS
13:47 24 Jun 22
Jarrod has helped me and my wife with multiple purchases and a refi. He has always been extremely helpful and honest through the entire process. I won’t take my mortgage needs through anyone else. 10/10 recommend Jarrod.
Jessica Rmz
Jessica Rmz
13:23 24 Jun 22
Conrad Cosey
Conrad Cosey
13:23 24 Jun 22
I had nothing but a great experience with Jarrod and Liberty Capital Services. Jarrod's experience and knowledge was vital in helping us navigate what our next steps should be in this current housing market. Would recommend Jarrod and his team to anyone who is looking for a personable, easy going and efficient experience!
Liza Vondenhuevel
Liza Vondenhuevel
13:16 24 Jun 22
Marolyn
Marolyn
12:50 24 Jun 22
Thank you, Maria for the exceptional service and for always being friendly and available at all time.
Jason B
Jason B
12:47 24 Jun 22
Jarrod was amazing. He walked us through the loan process step by step. He took care of everything he could, leaving us zero stress about the process. Highly recommended.
katushka del pozo
katushka del pozo
12:42 24 Jun 22
Maria is an exceptional loan officer! I wouldn’t want to work with anybody else. Thank you for your assistance throughout the loan process. I will gladly send your way anyone I know that is in the market. Thank you for everything Maria.!
Karina Felipe
Karina Felipe
12:42 24 Jun 22
Jackie liriano
Jackie liriano
12:41 24 Jun 22
Great company to work with. Thank you Maria for helping me through the process.
Rina Gomez
Rina Gomez
12:34 24 Jun 22
Juvenal Romero
Juvenal Romero
12:32 24 Jun 22
Excelente trato, un equipo que te guía, ayuda y ajusta a tus necesidades, sin duda los recomendamos. Gracias
Brittany Walker
Brittany Walker
12:29 24 Jun 22
Where do I begin!?! Jarrod Singleton is amazing & services his clients with the upmost professionalism. He helped me refinance my mortgage, and truly helped make a situation I saw as daunting, but instead made it extremely easy, and beyond beneficial to me. The level of service, check ins, management of the documents and process was by far the best. I would recommend him to ANYONE needing mortgage, refinance, and so on to! I have called him since to advise on my future mortgage scenarios and he walks me through possibilities, and mapping out a plan in place with whatever it may be I have questions about. This goes beyond a transactional service, instead a relationship I have been able to trust for my future decisions as well.
Melinda Dugan
Melinda Dugan
16:43 23 Jun 22
Awesome service and easy to get in touch with. Jarrod is a great problem solver when there is a bump in the road!
Mistaken Savage
Mistaken Savage
14:27 23 Jun 22
Kourtney Klima
Kourtney Klima
14:25 23 Jun 22
Jarrod has helped us TWICE now with buying our homes! He has make the process so early and stress FREE! Which is huge when buying a home. We can’t thank Jarrod enough for all he has done for us!!
Sean Anderson
Sean Anderson
17:00 22 Jun 22
js_loader

Apply for an Ohio Conventional Loan Now

If you are ready to apply for an affordable and flexible conventional loan in the state of Ohio or in Florida or California, Liberty Capital Services is your mortgage company. Please call us today at (614) 505-0620 to schedule your free consultation. During your appointment, we will discuss your needs and goals to help match you with the most suitable loan.

FREE Mortgage Rate Quote!