Jumbo Loans
in Ohio

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If you are shopping for a home in Ohio, the amount you need to borrow to finance your purchase will either fall above or below the conforming loan limits set by Fannie Mae and Freddie Mac.

If you are borrowing under the conforming loan limit, you are eligible for a conforming loan, also called a “conventional” loan.

If you are borrowing above the conforming loan limit, you will need an Ohio jumbo loan instead.

Do You Need a Jumbo Loan in Ohio?

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

1 UNIT

$484,350

2 UNITS

$620,200

3 UNITS

$749,650

4 UNITS

$931,600

As housing in Ohio is quite affordable throughout the state, these same limits apply in other counties.

Do You Qualify for a Jumbo Loan in Ohio?

If you have never applied for a jumbo loan before, you may wonder whether a jumbo loan is more expensive than a conventional loan or harder to qualify for.

Actually, the interest rate you pay on your jumbo loan could be right around the rate you would pay on a conventional loan.

Qualifying for a jumbo loan requires:

A strong credit score and debt-to-income ratio.

Six months to a year of cash reserves.

Steady employment.

Two appraisals (not as a rule, but this requirement is common).

A down payment of anywhere from 10% to 30%.

Notice that these requirements and those for conventional financing are not all that different. They are simply a little more rigorous for a jumbo loan.

In fact, depending on your borrower profile, your down payment for a jumbo loan might be no higher than your down payment for a conventional loan.

The most competitive jumbo loans are available to customers with the most competitive risk profiles.

We can offer you guidance for improving your profile in terms of your credit score, DTI, and other financial data. Whatever your financial situation, we will work hard to qualify you for an affordable jumbo loan.

What Our Clients Are Saying

Ben Hamlin
Ben Hamlin
19:24 01 Feb 23
James McBain was great! Super detailed and excellent communication throughout the entire process.
Katie Palombaro
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
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
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
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
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
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
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
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
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
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
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 Lentz
Kelly Lentz
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.
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Apply Today for an Ohio Jumbo Loan

Ready to purchase the home of your dreams in Ohio, Florida or California? Please call us today at (614) 505-0620 to set up your consultation. We can assess your risk profile and help you figure out what you will qualify for. We look forward to connecting you with the most suitable jumbo loan for your needs.

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