Columbus, Ohio is an exciting location to purchase your first home. With its beautiful parks, its vibrant city life, its many annual festivals, and its great sports teams, it is an amazing place to live.

Whether you will be making Columbus your home or moving to another community in the state of Ohio, shopping for your first mortgage can involve complex questions and considerations.

At Liberty Capital Services, our goal is to make it as easy and affordable as possible for you to purchase your first home with the ideal loan for your needs.

First Time Homebuyer Loan
Programs In Ohio

As a first-time home buyer, you may be concerned about affording a large down payment. You also may wonder whether your credit score or debt-to-income ratio will stand in the way of getting access to affordable interest rates.

To ensure that first-time homebuyers with a range of incomes and credit situations can afford to purchase a home, there are programs at the state and national level to help.

State Programs

The Ohio Housing Finance Agency (OHFA) has programs for borrowers with low or moderate incomes to keep interest rates and down payments affordable. Mortgage tax credits are also available.

National Programs

FHA: The FHA loan program is offered by the Federal Housing Administration (FHA). You could qualify for a down payment of 3.5% with this program along with affordable interest rates.

USDA: The USDA loan program is provided by the US Department of Agriculture (USDA). Eligible borrowers can obtain a home loan with zero down payment through this program.

VA: Through the VA loan program insured by the Department of Veterans Affairs (VA), qualifying borrowers can purchase a new home with zero down and other exceptional benefits.

Why Make Us Your First Mortgage
Company?

Whatever challenges you might face with regards to credit or income, we can match you with a suitable and affordable loan.

Along with providing financing to traditional employees, we also work with self-employed borrowers, business owners and physicians.

We build long-term relationships with homebuyers, providing support not only now, but over the entire term of your loan.

We have a unique background as financial planners. Rather than using a transaction-based business model, we operate as a consulting service, providing you with the type of VIP service you could expect from a mortgage planner at a private bank. We put your best interests first at all times.

We love working with first-time homebuyers, and we think that you will notice that every step of the way as we patiently answer your questions and guide you through the process of purchasing your first home.

What Our Clients Are Saying

Liberty Capital Services LLC

4.9

Based on 142 reviews

See all reviews Write a review

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

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

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

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

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

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

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

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

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.

Emerson Milner

18:00 20 Jul 23

Im a local Realtor here in Columbus. Bryce and the entire team did an excellent job helping my client purchase a new home (using a VA loan). Their team went above and beyond to answer any and all lending questions my client and I had. The process was quick, easy, and very professional. I would leave them a 6 star review if possible. A huge thank you to Bryce and Laura for leading the team effort and getting us closed!

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

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!

Austin Marsico

18:17 23 Jun 23

Shout to the Liberty Capital Services for the best service yet! Being a VA buyer we had quite the runaround with different lenders. I was able to sleep well at night after speaking with James and his team as he was able to give us clear direction and instructions, which was something we struggling with at first when working with different lenders. Long story short, if you want a great home buying experience these are your guys!!!

joe hamilton

14:03 02 Jun 23

James and Laura came through with flying colors. They fought hard and made the almost impossible happen to get the house closed on the correct date. Cleared to close in only 8 days! Due to some seller fixes, the closing date did not seem like it would happen, but James and Laura made sure it did. Highly recommend!

Sue Belton

14:03 24 May 23

Jason was great to work with, made the whoe process understandable and easy.

Daniel Hocking

15:24 23 May 23

Outstanding Service !!!!

Matthew Swisher

14:58 04 May 23

James and his team are great! They all worked tirelessly for us every step of the process from pre-approval to closing. I would highly recommend working with them!

Russell Scheiderer

12:15 04 May 23

James and his team made sure to accomodate us at every turn throughout the process of securing a mortgage for our first home. They truly seemed to have an interest in us and treat us like people and not a commision. They answered all of our silly questions and James specifically made it a point to walk through every step and number along the way to help us keep our sanity. I would recommend James and his team at Liberty Capital Services to anyone looking to finance a home.

Deb Cada

19:17 01 May 23

James did an awesome job. I highly recommend him.

Karen Root

10:16 28 Apr 23

Everyone was so helpful during this process. It took a village to get it done!

Teresa Aderhold

21:52 24 Apr 23

Bryce what a great guy...Answered phone calls day and night I don't care what time it was he was there for us. Made everything easy and made sure we understood everything 💯

Trevor Seibel

19:45 21 Apr 23

Jason is easy to work with , generally funny, and works to make the lending process as easy as possible. He promised to make the process, “as easy as renting an apartment,” and he did!

Carrie

14:19 19 Apr 23

James and his team worked with us on our first home purchase. They were super responsive and helpful every step of the way. I can’t recommend them enough!

Sheridan Seitz

22:57 30 Mar 23

Victoria Quinones

23:41 29 Mar 23

I had the pleasure of working with Jason Krasnow and I couldn’t have asked for a better person to represent me. Jason walked me throughout the whole process of purchasing my first home from a professional and emotional perspective. Purchasing a home can be an emotional roller coaster but Jason was there to answer any questions I had no matter the time of day. Every time we spoke I always felt I had his full attention to any concerns I may have had. He went above and beyond to make sure everything went as smooth as possible until closing. I highly recommend using his services. Jason is a rockstar!

Michel Vielot

19:48 21 Mar 23

Great experience, Jason Krasnow theLoan Originator was very knowledgeable, helpful, and thoughtful. We definitely recommend working with him!

Elisabeth Rinehart

13:40 21 Mar 23

James and Team at Liberty Capital were so thorough, timely and got everything done within the time frame promised. We closed on our house in 21 days and we couldn’t be happier! My sister and I are so excited to make our home into our dream!

Ndemaloah Paul

09:45 15 Mar 23

Working with James is a blessing. He has a wonderful and amazing team that eases the whole loan process.They are fast and excellent in communication. I will recommend Liberty Capital Services to anyone who wants to buy a property.Good job guys

Anna Criddle

01:18 15 Mar 23

James McBain and his team are hands down the best lenders in the business. FromStart to finish updates weekly and exceptionalCustomer service. I know because I have been a realtor for 24 years. My buyers were extremely grateful to have James and his team provide a stress free and smooth transaction.Thank you James and your team for an tremendous experience.Anna

Maple

01:39 10 Mar 23

Made first time home buying easy, and frequent & quick communication ensured we were able to do everything immediately :3 Ken and Bryce did a great job with everything and are very friendly too!

Apply for Your Home Purchase Loan Today

Beautiful homes don’t stay on the Ohio housing market for long, so act fast to close on the property of your dreams. Please call us today at (614) 505-0620 to schedule your consultation for your home purchase loan.

Free Mortgage Rate Quote

First Time Home Buyer

Liberty Capital Services LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.

First Time Homebuyer
Loans in Ohio

First Time Homebuyer Loan
Programs In Ohio

State Programs

National Programs

Why Make Us Your First Mortgage
Company?

What Our Clients Are Saying

Apply for Your Home Purchase Loan Today

First Time Home Buyer

Top Rated Mortgage Broker in Columbus OH

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First Time HomebuyerLoans in Ohio

First Time Homebuyer Loan Programs In Ohio

State Programs

National Programs

Why Make Us Your First MortgageCompany?

What Our Clients Are Saying

Apply for Your Home Purchase Loan Today

Top Rated Mortgage Broker in Columbus OH

Quick Links

First Time Homebuyer
Loans in Ohio

First Time Homebuyer Loan
Programs In Ohio

Why Make Us Your First Mortgage
Company?