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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 as of June 2023 are:

1 UNIT

$726,200

2 UNITS

$929,850

3 UNITS

$1,123,900

4 UNITS

$1,396,800

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

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.
Emerson Milner
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
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!
Austin Marsico
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
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
Sue Belton
14:03 24 May 23
Jason was great to work with, made the whoe process understandable and easy.
Daniel Hocking
Daniel Hocking
15:24 23 May 23
Outstanding Service !!!!
Matthew Swisher
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
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
Deb Cada
19:17 01 May 23
James did an awesome job. I highly recommend him.
Karen Root
Karen Root
10:16 28 Apr 23
Everyone was so helpful during this process. It took a village to get it done!
Teresa Aderhold
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
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
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
Sheridan Seitz
22:57 30 Mar 23
Victoria Quinones
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
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
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
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
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
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!
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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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