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:

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

Marc s
Marc s
16:33 29 May 19
Ken, James and the whole team at liberty loans are the only people I would ever recommend for a home loan or refi! To put it simply, they just know how to get the deal closed!
Stefanie Villasante
Stefanie Villasante
14:30 29 May 19
Liberty Capitol was great to work with. Ken, James, and ESPECIALLY Laura all made the closing process so smooth and easy. If I needed anything they were an email, phone call, or text away. They kept costs low for me, and saved me money on my closing. If I ever buy another house, I wouldn't hesitate to use them again. Great team, nice people!read more
Lani Ciera
Lani Ciera
13:39 22 May 19
My husband and I just closed on our first home yesterday and we couldn't have done it without James and his amazing team at Liberty Capital Services! James actively worked with us throughout the entire process; helped us to improve our credit, didn't pressure us or make us fear for this huge purchase, and made the entire process enjoyable and stress free! He and his team are amazing and truly care about their clients. Thank you Liberty Capital!read more
Ian Mcmahan
Ian Mcmahan
11:17 22 May 19
If you are thinking of buying or refinancing your new home, well look no further! James from Liberty Capital made our first home buying process effortless and stress free. He and his team were absolutely amazing and we were lucky enough to have worked with them!read more
Alexandra Tran
Alexandra Tran
20:00 22 Apr 19
I had a great experience with Liberty Capital. They made the process extremely easy and I was able to close sooner than expected. They really made the process seamless and I recommend them to anyone looking to buy a home!read more
Robert Moore
Robert Moore
19:42 22 Apr 19
I strongly recommend Liberty Capital. They were straightforward and were extremely FAST and HELPFUL with the entire process. I highly recommend Liberty Capital they were consummate professionals during the mortgage process.read more
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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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