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Conventional
Loans in Ohio

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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 as of June 2023:

1 UNIT

$726,200

2 UNITS

$929,850

3 UNITS

$1,123,900

4 UNITS

$1,396,800

Zillow currently, June 2023, lists the home value index for Columbus at just $244,756. 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

Mathew Hiser
Mathew Hiser
18:21 22 Mar 24
It was a easy transaction. Every question was answered and communitcation was fast. The closing was quick due to the pre-signing of documents online made it simple to close.
Ann Emerson
Ann Emerson
22:11 16 Mar 24
I highly recommend this terrific team! As a first time buyer, they walked me through the process from start to finish. At Closing it was remarked that I had obtained the best interest rate seen in quite some time...all due to the hard work of Liberty Capital Services!
Arianna Stephey
Arianna Stephey
00:15 14 Feb 24
I had a great experience with everyone at Liberty Capital! They made my first time, home buying experience great and easy! I greatly appreciated everyones help and being willing to accommodate my needs!
jcruz0306
jcruz0306
16:37 08 Feb 24
It’s always a please working with Jason KrasnowHe is always available and on top of all our questions. Jason and his team are amazing.
Darren Herring
Darren Herring
00:37 01 Feb 24
Jason Krasnow was absolutely great to work with in helping us to secure financing for the renovation of our rental properties. We couldn't have been more satisfied with the expert help he provided us in this endeavor. He was always available to answer any questions and to resolve any issues. If you're in the market for a loan, you owe it to yourselves to give him a shout. You won't be disappointed.
Paulina Le
Paulina Le
19:36 10 Jan 24
Jason helped us close a conventional loan for our first investment property. He was always available for questions, very knowledgeable, and got back to me quickly. We shopped around for rates and Liberty had the best rate and lowest fees. We were under contract at the end of 2023, but closing happened on time, as scheduled, even with the holidays. Would definitely work with Jason again for our next deal!
Kha Chieu
Kha Chieu
17:48 04 Jan 24
The team doing wonderful job to help me buying the house. James, Avel and Laura are really helpful and patient enough to answer all my questions and concerns. I truly appreciate it and highly recommended.
Phillip Furlong
Phillip Furlong
01:58 15 Dec 23
Jason and his team are well worth working together. They were prompt to answer, and in some cases late at night and weekends, in order to answer any questions and get paperwork done to meet the deadlines that were put upon us. Highly recommend.
Dan Huber
Dan Huber
21:38 05 Dec 23
Great people Jason was very patient and went the extra mile to get my family in a house thanks a million liberty capital service
Lisa Huber
Lisa Huber
15:15 05 Dec 23
We had the pleasure of working with Jason .He was absolutely terrific! He made sure our questions were answered and understood..If I could give him 20 starts I WOULD!! Thank you for making this as easy as possible Jason !
Dustin Harmeyer
Dustin Harmeyer
17:09 01 Dec 23
Alisha Fatima
Alisha Fatima
23:50 20 Nov 23
Liberty capital in Columbus made a big difference in our financial situation! They had so many more options to get our loan approved and James and his team were great to work with. Laura was always available to answer questions and worked hard to get us a great mortgage. We are very happy with our new home especially business is a short drive from our home. We had the best experience with Liberty Capital!zarqa Ali Sattar Ahmad wife and Faria Ali sister
Heather Jordan
Heather Jordan
20:22 16 Nov 23
Jason krasnow has been one of the best lenders to work with. He is upfront and honest and always willing and able to answer any questions. His quick response to every question made me completely confident in his skills. I highly recommend Jason and Liberty Capital Services!!!
Faria Ali
Faria Ali
13:30 31 Oct 23
I had the pleasure of working with James The experience was nothing short of outstanding. In a world where securing a loan can often feel like navigating a maze, James from Liberty Capital Services was a guiding light, making the process seamless and stress-free. IMO he was more helpful/available/patient than my realtor.Throughout the loan application process, James exhibited a level of responsiveness that was truly remarkable. Whether it was a quick question or a concern that required attention, I could always count on him to promptly address my needs. His level of commitment and dedication is a testament to his exceptional work ethic.In closing, if you're in need of a loan officer who combines expertise, dedication, and a commitment to your financial success, ask for James as he is the professional you can trust.
Tiara Ferguson
Tiara Ferguson
13:08 31 Oct 23
If I could give Liberty Capital 6 stars I would!!!! Specifically loan officer Jason Krasnow deserves a 10 out of 5 star rating as he went completely above and beyond and provided extraordinary customer service with my home purchasing experience and I am extremely impressed and satisfied.I found Jason through a referral while going through a very tough time— I had just concluded a very difficult divorce and wanted to remain in my marital home afterward, however, was uncertain about what I qualified for due to having a brief gap in employment years ago during my marriage. Jason did his due diligence, listened carefully to my situation, and was extremely meticulous, helpful and very knowledgeable about my individual needs. He addressed my concerns, educated me on all my options, and also thoroughly explained the pros and cons of either refinancing or selling my marital home. Based on my individual situation, I ultimately decided it was best to refinance my home, however, I was dreading the refi process as based on my experience getting qualified for a mortgage initially was all a pain and was like putting puzzle pieces together. Jason was a God-send, however, and provided an immense amount of support, guidance, and direction and made the refinance process extremely seamless, efficient, and easy. It was such a relief to have one less thing to worry about during a very stressful and tumultuous time.Even after my closing date, I still had additional follow up questions and although Jason’s work was done with my loan, he continued to be extremely helpful and responsive ( even during nights and weekends!) . I can’t emphasize enough how pleasant my experience was with Jason/ Liberty Loans, and I highly recommend their services to anyone who is in the market for a new home.Thanks again for the wonderful experience!
I recently had the pleasure to work with Jason on the purchase of our first investment property. He probed to be a great professional, very knowledgeable and patient. I mention this because I would be texting him at all hours, but specifically late at night after I got out of the office and he has always promptly responded and always has provided the assistance needed and the info requested. He has gone the extra mile to ensure everything was done the right way, and has also provided good leads for the insurance policy. Since we purchased another house not too long ago, I can compare the experience with our previous broker and Jason has exceeded every expectation we had. I hope we get to work together soon because he made sure the experience, as stressful as it gets, was nonetheless enjoyable. I would highly recommend Jason and his processor, Laura!!!!!
Spencer S
Spencer S
18:25 20 Oct 23
wonderful experience! Jason helped me out in a tight spot and got it done. Can’t go wrong with them!
Sean Leyden
Sean Leyden
11:35 04 Oct 23
It’s my great pleasure to provide my strongest recommendation for Ken and his team at Liberty Capital Services. They successfully led me through the process to obtain a VA home loan recently. They are experts; Liberty Capital got me the lowest possible interest rate, they were always early to the next milestone and there was never a concern about financing being in place for the closing. Thank you Ken and team!
Raihan Ali
Raihan Ali
17:32 03 Oct 23
James, Laura, and team were excellent with handling my home loan details. They answered all my questions with great detail. James really worked hard to get us the best rate possible. We will be repeat customers.
terima nagatani
terima nagatani
05:13 20 Sep 23
I had the pleasure of working with Jason Krasnow. The experience was nothing short of outstanding. In a world where securing a loan can often feel like navigating a maze, Jason from Liberty Capital Services was a guiding light, making the process seamless and stress-free. IMO he was more helpful/available/patient than my realtor.Throughout the loan application process, Jason exhibited a level of responsiveness that was truly remarkable. Whether it was a quick question or a concern that required attention, I could always count on him to promptly address my needs. His level of commitment and dedication is a testament to his exceptional work ethic.In closing, if you're in need of a loan officer who combines expertise, dedication, and a commitment to your financial success, ask for Jason as he is the professional you can trust.
David Krasno
David Krasno
16:34 13 Sep 23
Jason was fantastic! He spent considerable time working the numbers to get me a respectable rate during the spike in interest rates while getting me to where I need to be for my monthly payment. Very communicative via text, email and phone as well as always accessible and responsive to my inquiries. I highly recommend him and LCS for anyone in need of the services they provide. Thank you Jason!
lafontant saintbien
lafontant saintbien
13:41 13 Sep 23
Mr Jason made the whole process so easy to understand and stressed free I’m going to recommend friends and family to this wonderful guy
Matthew Gorman
Matthew Gorman
19:53 08 Sep 23
Thanks to James and his team for getting our loan and financing approved. They did a great job on a quick timeframe!
Kevin Kim
Kevin Kim
14:25 01 Sep 23
I was looking to purchase a property in Columbus OH, and was connected with multiple lenders. That said, Jason at Liberty Capital Services was the person to go to without question.I am a super newby when it comes to real estate investing and Jason diligently walked me through every step. On top of that, he would call me with an update every few days and as a newby investor, that elevated a lot of anxiety as a first time buyer. Also, Jason will answer your phone call any time of the day and doesn't matter what the question is, he will 100% ensure you're taken care of.Not only did Jason provide the best product, he made deals that didn't work, WORK!!I refuse to work with any other lender moving forward, and if you're looking to buy, I HIGHLY RECOMMEND working with Jason at Liberty Capital Services.
Melissa Switzer
Melissa Switzer
16:02 17 Aug 23
James and team were excellent. James was super responsive and Laura kept us informed all along the way. Highly recommend!
D R
D R
21:37 07 Aug 23
Liberty capital in Columbus made a big difference in our financial situation! They had so many more options to get our loan approved and James and his team were great to work with. Laura was always available to answer questions and worked hard to get us a great mortgage. We are very happy with our new home especially since our kids will go to a better school district! And our business is a short drive from our home. We had the best experience with Liberty Capital!
Veronica
Veronica
15:45 21 Jul 23
Jason was awesome! Always picked up the phone late, early, or my 5th call of the day for any questions. He was really patient with me and always kept me updated with progress. I highly recommend him and Liberty
Nicole Carnahan
Nicole Carnahan
19:03 20 Jul 23
Jason was very professional and awesome through this whole process. He navigated us through some tricky parts in the process and never stopped trying to get us in our dream home in our dream location. I hope to not move for a long time, but if I do I know I would trust him with the process all over again.
Nick Radabaugh
Nick Radabaugh
22:20 04 Jul 23
James was great to work with. He was always available to answer questions and worked hard to get us a great mortgage. We couldn't be happier with our new home and our experience with Liberty Capital!
Sarah Rowley
Sarah Rowley
23:13 24 Jun 23
Over the past 2 years I’ve gone through 3 different loan companies trying to by a house. The process was frustrating, difficult, and beyond confusing. I had the total opposite experience with Liberty Capital!Jarrod was fantastic to work with. He explained every step throughly and made sure I understood what needed to happen next. Step by step, day by day, Jarrod was there to help make my transaction, flawless! Yes, flawless!Huge thank you to Jarrod and the Liberty Capital team! Y’all are rockstars! Never thought I could own a home and I couldn’t have done it without you!
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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.

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