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 116 reviews

See all reviews Write a review

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

Allison Jett

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!

Trent McMurray

23:43 27 Feb 23

James McBain was absolutely amazing and got my deal completed effortlessly!

Erin Colachis

15:23 27 Feb 23

James was very helpful during our process of home buying and answered any questions we had very quickly.

Aiyana Cross

00:41 11 Feb 23

I was referred to Liberty Capital by my realtor and I’m so happy I found them. James and Laura made the process so easy and simple and kept me updated the entire time.

Alex Phil

16:53 09 Feb 23

Jason was so helpful and compassionate! We had an excellent home buying experience. We were prepared for every step with his guidance and massive knowledge of the process. He helped us get through it, and We would highly recommend working with him!

Ben Hamlin

19:24 01 Feb 23

James McBain was great! Super detailed and excellent communication throughout the entire process.

Katie Palombaro

20:56 10 Jan 23

James was AMAZING throughout my entire process of buying my first home! When putting in multiple offers he was always there and ready to help to ensure I was able to put in offers same day. His experience allowed him to find the best product for me and explain everything throughout the process! I was cleared to close early which directly reflects the attention to detail on his end. Very happy with James and Liberty Capital.

michael hopewell

12:48 24 Dec 22

At the end of the day james,Laura, and the Liberty capital staff feel like family they were patient kind and got the house closed for me,2x ,thank you guys from the bottom of my heart.

Collin Massie

22:58 19 Dec 22

My wife and I recently purchased our first home with the help of Mr. Ken Wichman and his right hand man, Bryce Kuhl. I can’t say enough good things about this dynamic duo. They were on top of all of their tasks, and were extremely responsive with any questions we had (we had a lot).Not only are they the best at their respective jobs, but they were very courteous and grateful for myself, and all veterans who have served in our armed forces.They hands down get 5 stars from us!Thank you very much Ken and Bryce, and I look forward to seeing you guys again!Go Bucks!

Chee Chee Mcgowan

17:49 16 Dec 22

I wish there was 1 million stars I could give Liberty Capital. James & Laura are phenomenal. If you want to get a deal done & know you’re in great hands. Take your business to Liberty Capital. James & Laura will work effortlessly for you.

Solmar Hernandez

06:16 24 Nov 22

Estamos súper agradecidos con Liberty Capital Service LLC y especialmente con Ken Wichman por haber sido el canal de Bendición para hacer nuestro sueño realidad de obtener nuestro préstamo para la Casa 🏠 gracias eternamente agradecida son los mejores 🤗

Mike Hood

20:42 21 Nov 22

Moving over 1,500 miles from North Texas back to Central Ohio, it was critical for my Wife and I to find a reliable and trustworthy resource for the financing of our home. James worked tirelessly with us, sometimes late on Saturdays and Sundays to ensure we had a competitive offer and approval letter in place. He also made sure on the back end that we felt comfortable with the rate, the financial institution we jointly chose and how this investment would affect our family in the long run. I would recommend James and his team for all of your mortgage and refinancing needs, he's the best in the industry!

Bianca Ardevela

21:58 13 Nov 22

I just closed on my property with the help of Jason from Liberty Capital Services. Jason went above and beyond my expectations in assisting us throughout this whole process. He was always so responsive, thorough, and very nice in explaining and answering my plethora of questions. He had a lot of patience when I was going back and forth between another competitor and ultimately he was able to find me a better quote. Jason is an excellent asset to this team and I am very grateful that I got to work with him. We will definitely be doing more work with him in the future. Thank you so much, Jason!! Ken and I greatly appreciate you.

Robert Moore

14:19 20 Oct 22

Liberty Capital did an outstanding job getting our family second home in the Tampa FL area. The process was fast and easy! I 100% recommend Liberty Capital for all your mortgage loans and refinances needs their team will do an excellent job you will not be disappointed!

neil alvarado

00:29 18 Oct 22

Ken and his team are absolutely the best, helpful, and go above and beyond to suit or needs.

Thien Bui

13:04 17 Oct 22

James and Laura were amazing! Smooth process even with us rushing them to close a week earlier than originally planned.

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

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

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

13:22 01 Sep 22

Excelente servicio. Muy alegre por su ayuda para la adquisición de la propiedad

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

22:17 23 Aug 22

Lilly Kuang

00:43 17 Aug 22

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

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

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.

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

Quick Links

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Contact

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?