What is the average monthly mortgage payment in Columbus, Ohio?

Based on Columbus's current median sale price of approximately $315,000, a typical 30-year fixed mortgage with a 20% down payment ($63,000) at a 6.75% interest rate results in a monthly principal and interest payment of approximately $1,631. Adding estimated Franklin County property taxes (around $250-$350/month) and homeowners insurance (around $80-$120/month), most Columbus homebuyers budget between $1,961 and $2,101 per month for total housing costs.

How much is a down payment on a house in Columbus, Ohio?

Down payment requirements in Columbus vary by loan type. Conventional loans require 3-20% down. FHA loans need as little as 3.5% down (roughly $11,025 on a $315,000 home). VA loans for eligible veterans require 0% down. Ohio Housing Finance Agency (OHFA) programs offer down payment assistance of up to $5,000 for eligible first-time buyers. Liberty Capital Services can help you identify the right down payment strategy for your situation.

What is the property tax rate in Franklin County, Ohio?

Franklin County (Columbus) property taxes vary by municipality and school district, but the effective rate averages approximately 1.0-1.6% of a home's assessed value annually. On a $315,000 home, this translates to roughly $3,150-$5,040 per year, or about $263-$420 per month. Ohio assesses property at 35% of market value, and taxes are based on that assessed value multiplied by your local millage rate. Suburbs like Dublin, New Albany, and Westerville tend toward higher rates due to strong school districts. Liberty Capital Services can provide specific estimates for any Columbus-area community.

What first-time homebuyer programs are available in Ohio?

Ohio offers several first-time homebuyer programs. The Ohio Housing Finance Agency (OHFA) Your Choice! Down Payment Assistance program provides 2.5% or 5% of the home's purchase price toward down payment and closing costs for eligible buyers. OHFA also offers mortgage tax credit certificates (MCCs) that provide a federal tax credit on a portion of mortgage interest paid each year. Income and purchase price limits apply. Liberty Capital Services is experienced with Ohio first-time buyer programs and can help determine what you qualify for.

What is PMI and do I need it in Ohio?

PMI (Private Mortgage Insurance) is required on conventional loans when your down payment is less than 20% of the purchase price. In Ohio, PMI typically costs 0.5-1.5% of your loan amount annually, roughly $130-$390 per month on a $260,000 loan. Once you reach 20% equity in your home, you can request PMI removal. VA loans for eligible veterans do not require PMI, which is a significant benefit for Ohio's veteran community.

What are the best suburbs to buy a home near Columbus, Ohio?

Columbus has a wide range of suburbs. Dublin in northwest Columbus is known for upscale amenities and top schools, with medians around $450,000-$600,000+. Westerville, northeast of Columbus, offers excellent schools and a charming downtown with medians around $350,000-$450,000. Worthington is a classic suburb with strong schools and walkable downtown, with medians around $380,000-$500,000. Hilliard and Grove City offer more affordable suburban options at $300,000-$400,000. New Albany and Powell are premium communities with larger homes and top-tier schools at $500,000-$800,000+. Liberty Capital Services serves buyers across all Columbus-area communities.

Does Liberty Capital Services serve all of Central Ohio?

Yes. Liberty Capital Services serves homebuyers throughout Central Ohio from their Columbus office at 438 E Wilson Bridge Rd #106. They serve Franklin County, Delaware County, Fairfield County, Union County, Licking County, and surrounding areas. Call (614) 505-0620 to speak with a Columbus mortgage expert, or schedule a consultation online.

Columbus OH Mortgage Calculator | Liberty Capital Services

Columbus, Ohio

Columbus OH
Mortgage Calculator

Your Mortgage, Our Mission

Estimate your monthly mortgage payment in seconds. Built for Central Ohio homebuyers with local market data and 20+ years of expertise from Liberty Capital Services.

$315KColumbus Median

0%Down (VA)

2003Est. in Columbus

Payment Estimator

Central Ohio, Updated 2026

Ohio Licensed Mortgage Lender

Serving Columbus Since 2003

Local Columbus Loan Officers

OHFA Approved Lender

Equal Housing Lender

2026 Columbus Housing Market

Know the Numbers Before You Buy in Columbus

Columbus remains one of the Midwest’s most dynamic housing markets in 2026. Here is current market data to help you plan your purchase and use the calculator accurately.

Columbus and Franklin County

Median Sale Price (Feb 2026)$315,000

YoY Price Change+3.3% to +5.9%

Median Days on Market49 days

Inventory Change YoY+7.6%

Homes Sold Above Asking80%

Effective Property Tax Rate1.0-1.6%

Premium Columbus Suburbs

Dublin$450K-$700K+

New Albany$500K-$900K+

Powell$450K-$750K+

Worthington$380K-$550K

Westerville$350K-$500K

Lewis Center$400K-$600K

Value Markets

Hilliard$300K-$430K

Grove City$280K-$400K

Gahanna$300K-$420K

Pickerington$280K-$400K

Canal Winchester$280K-$380K

Reynoldsburg$230K-$340K

Step-by-Step Guide

How to Use the Columbus Mortgage Calculator

Getting an accurate estimate takes about 60 seconds. Here is what each field means for Central Ohio homebuyers.

Enter the Home Price

Type in the purchase price of the home you are considering. Columbus’s median sale price is approximately $315,000 as of early 2026. Prices range from under $200,000 in some city neighborhoods to $600,000+ in Dublin, New Albany, and Powell.

Set Your Down Payment

Enter how much you plan to put down. Conventional loans allow as little as 3%. FHA loans start at 3.5%. VA loans allow 0% down for eligible veterans. Ohio’s OHFA program also provides down payment assistance of up to 5% for eligible first-time buyers.

Choose Your Loan Term

Select 30-year (lower monthly payments) or 15-year (less total interest). Most Columbus first-time buyers choose the 30-year term for payment flexibility. Liberty Capital Services can help you compare the long-term cost of each option.

Enter an Interest Rate

Use a current rate estimate. Columbus rates are generally in the 6.0-6.75% range as of early 2026. Contact Liberty Capital Services for your personalized rate quote based on your actual credit and financial profile.

Add Property Taxes

Franklin County effective property tax rates average 1.0-1.6% of home value annually. Rates vary by municipality and school district. Suburbs with higher-rated school systems like Dublin, Hilliard, and Westerville-Olentangy tend to carry higher tax rates.

Review and Apply

Your estimated monthly payment appears instantly. Ready to move forward? Liberty Capital Services has helped Columbus-area buyers close on homes since 2003. Our pre-approval is free and gives you a firm number to shop with.

Understanding Your Columbus Mortgage Payment

When you use a mortgage calculator, you are solving for your PITI: principal, interest, taxes, and insurance. In Columbus, these components are meaningfully more affordable than in most major U.S. metros. Columbus median home prices sit roughly 33% below the national average, giving buyers here significantly more purchasing power relative to income than buyers in coastal markets.

Principal and interest is the largest component. On a $315,000 home with 20% down ($63,000) at a 6.75% 30-year fixed rate, you’d pay approximately $1,631 per month in P&I. A 15-year term at the same rate raises the monthly payment to around $2,241, but you’d pay off the home in half the time and save tens of thousands in total interest.

Property Taxes in Franklin County and Columbus Suburbs

Ohio property taxes are among the most nuanced in the country because they vary significantly by school district as well as municipality. In Franklin County, effective tax rates generally fall between 1.0% and 1.6% of a home’s market value annually. Here is a practical breakdown for Columbus-area buyers:

Columbus City School District: Higher millage rate, effective rate around 1.5-1.7%.
Dublin City Schools: Premium district with a higher millage rate, effective around 1.5-1.8%.
Olentangy Local Schools (Powell, Lewis Center, Delaware County): High-demand district, effective rate around 1.3-1.6%.
Hilliard City Schools / Westerville City Schools: Strong schools with effective rates in the 1.3-1.6% range.
Pickerington and Canal Winchester: More affordable effective rates, typically 1.0-1.3%.

Ohio also offers a homestead exemption for qualifying senior and disabled homeowners, which can reduce taxable value. Liberty Capital Services can provide specific current tax estimates for any property you are considering.

Ohio First-Time Homebuyer Programs

Columbus-area first-time buyers have access to meaningful assistance through the Ohio Housing Finance Agency (OHFA). Liberty Capital Services is an OHFA-approved lender and can help you access these programs:

Your Choice! Down Payment Assistance: Provides 2.5% or 5% of the home’s purchase price toward down payment and closing costs. The 5% option is forgivable after seven years if you stay in the home.
Grants for Grads: Specifically for recent college graduates (within the last 48 months), offering 2.5% or 5% down payment assistance plus discounted mortgage rates to encourage graduates to stay in Ohio.
Ohio Heroes: Reduced interest rates for teachers, nurses, police officers, firefighters, veterans, and active military.
Mortgage Tax Credit (MCC): Provides a federal tax credit for a portion of mortgage interest paid each year, directly reducing your federal tax liability.

Income and purchase price limits apply and vary by county. Liberty Capital Services can quickly determine which programs you qualify for and how to combine them for maximum benefit.

Columbus Mortgage Loan Types

Liberty Capital Services offers all standard loan types along with the local expertise to match you with the right product for the Columbus market:

Conventional Loans: Best for buyers with solid credit (620+) and 3-20% down. Ideal for most Columbus and suburban purchases up to $806,500. PMI drops off at 20% equity.
FHA Loans: Popular with first-time Columbus buyers. 3.5% down with a 580+ credit score. Required for buyers with credit scores between 500-579 with 10% down. MIP required for the life of the loan in most cases.
VA Loans: Ohio has a significant veteran and active-duty military population. VA loans offer 0% down, no PMI, and competitive rates for eligible veterans, active military, and surviving spouses.
Jumbo Loans: For homes above $806,500, common in Dublin, New Albany, Powell, and other premium Columbus suburbs.
Conventional Refinancing: Many Columbus homeowners who bought at 2022-2023 peak rates are watching rates closely for refinancing opportunities as rates decline toward the mid-6% range.

The Columbus Housing Market in 2026

Columbus enters 2026 as one of the Midwest’s most resilient and consistently growing housing markets. Columbus REALTORS reported a median sale price of $315,000 in early 2026, up 3.3% year-over-year, while inventory rose 7.6%, giving buyers slightly more options than in recent years. Homes are selling in a median of 49 days, with 80% of homes still selling above asking price.

The long-term fundamentals supporting Columbus home values are strong. The metro area’s population exceeded 2.2 million in 2024 and continues growing through in-migration from other Ohio cities and coastal metros. Major employers including Ohio State University, JPMorgan Chase, Nationwide Insurance, OhioHealth, and Huntington Bancshares anchor one of the most diversified and recession-resistant job markets in the Midwest. Columbus’s growing technology and logistics sectors, spurred by Intel’s planned semiconductor facility east of Columbus, are expected to support demand well into the next decade.

How Much Home Can You Afford in Columbus?

The 28/36 rule suggests spending no more than 28% of your gross monthly income on housing. At Columbus’s median household income of approximately $55,000-$70,000 per year, this points to a comfortable home-buying budget of approximately $220,000-$360,000, which aligns well with Columbus’s actual median. For buyers relocating from higher-cost markets like coastal cities or Chicago, Columbus offers significantly more home for the same budget.

The most accurate way to know your buying power is a free pre-approval from Liberty Capital Services. Their Columbus team can run your numbers across multiple loan programs simultaneously and give you a firm budget in 24-48 hours.

Loan Options

Columbus Mortgage Loan Types at a Glance

Liberty Capital Services has been matching Columbus buyers with the right loan since 2003. Here is how the most popular options compare.

Loan Type	Min. Down	Min. Credit	PMI / MIP	Best For	Available
Conventional 30-Year	3%	620+	If <20% down	Standard purchases up to $806,500	Yes
Conventional 15-Year	3%	620+	If <20% down	Buyers wanting to build equity faster	Yes
FHA Loan	3.5%	580+	Always required	First-time buyers, lower credit scores	Yes
VA Loan	0%	580+	No PMI	Veterans, active military, surviving spouses	Yes
Jumbo Loan	10-20%	700+	Varies	Dublin, New Albany, Powell luxury homes	Yes
OHFA Down Payment Assist.	0% (DPA provided)	640+	Varies	Ohio first-time and grad buyers	Approved
Mortgage Refinance	N/A	620+	Varies	Lower your rate or access Ohio home equity	Yes

Service Area

We Serve All of Central Ohio

Liberty Capital Services serves homebuyers across Franklin County and the greater Columbus metro, from urban neighborhoods to suburban communities and outlying counties.

Short North and Italian Village

$350K-$600K+

Columbus’s most walkable urban neighborhoods. Victorian-era homes, gallery-hop culture, and proximity to Ohio State. Strong appreciation and rental demand.

Dublin

$450K-$700K+

Northwest Columbus’s premier suburb with top-rated schools, upscale amenities, and a beautiful historic downtown. Home to major corporate campuses.

Westerville

$350K-$500K

Northeast Columbus suburb with excellent schools, charming Uptown district, and a strong community identity. Consistently among Ohio’s best places to live.

Worthington

$380K-$550K

Classic, tree-lined suburb with walkable village center and top-tier schools. Popular with families and professionals who want character and convenience.

Hilliard and Grove City

$280K-$430K

West Columbus suburbs offering excellent value, good schools, and newer construction. Popular with first-time buyers and young families.

New Albany and Powell

$500K-$900K+

Premium northeast and northwest Columbus communities with master-planned neighborhoods, luxury homes, and some of Central Ohio’s highest-rated schools.

Gahanna and Pickerington

$280K-$420K

East Columbus suburbs with strong community character, good schools, and competitive pricing. Pickerington saw a 33% jump in closings year-over-year in early 2026.

Delaware and Fairfield Counties

$300K-$500K

Fast-growing counties north and east of Columbus. Delaware County posted 13% more closings in early 2026. Olentangy school district is among Ohio’s most sought-after.

Common Questions

Columbus Mortgage FAQ

Answers to the most common questions Columbus-area homebuyers ask about mortgage payments, loan programs, and the local market.

Based on Columbus’s current median sale price of approximately $315,000, a typical 30-year fixed mortgage with a 20% down payment ($63,000) at a 6.75% rate results in a monthly P&I payment of approximately $1,631. Adding Franklin County property taxes (~$263-$420/month depending on school district) and homeowners insurance (~$80-$120/month), most Columbus homebuyers budget between $1,974 and $2,171 per month for total housing costs.

In Columbus, you can generally afford a home priced at 3-4.5x your annual gross income. At Columbus’s median household income of roughly $55,000-$70,000, many buyers qualify for homes in the $220,000-$360,000 range, which aligns well with the local median. Columbus is significantly more affordable than national averages. A Liberty Capital Services pre-approval gives you a firm number. Get pre-approved today

As of early 2026, 30-year fixed mortgage rates in Columbus are generally in the 6.0-6.75% range, down from the 7%+ highs of 2023-2024. Your exact rate depends on your credit score, down payment, and loan type. Liberty Capital Services has served Columbus buyers since 2003 and works to find the most competitive rate for each borrower. Check today’s rates

Ohio’s OHFA Your Choice! program provides 2.5% or 5% of the home’s purchase price toward down payment and closing costs. The 5% option is forgivable after seven years. OHFA’s Grants for Grads program helps recent college graduates with down payment assistance plus discounted rates. Ohio Heroes provides reduced rates for teachers, nurses, police, firefighters, and veterans. Liberty Capital Services is an OHFA-approved lender. Learn more about purchase loans

Franklin County property taxes vary significantly by school district. Effective rates generally fall between 1.0% and 1.6% of home value annually. On a $315,000 home, that is roughly $3,150-$5,040 per year, or $263-$420 per month. Higher-rated districts like Dublin, Olentangy, and Hilliard tend toward the higher end of that range. Liberty Capital Services can provide current estimates for any specific Columbus-area property.

Columbus remains one of the Midwest’s strongest housing markets in 2026. The median sale price rose 3.3% year-over-year to $315,000, inventory is up 7.6% giving buyers slightly more options, but 80% of homes are still selling above asking price. The long-term outlook is supported by Ohio State University, major employer growth, and Intel’s planned semiconductor facility east of Columbus. Buyers who are financially ready benefit from acting before further appreciation. Get pre-approved now

PMI (Private Mortgage Insurance) is required on conventional loans when your down payment is less than 20%. In Ohio, PMI typically costs 0.5-1.5% of your loan amount annually, roughly $130-$380 per month on a $252,000 loan. Once you reach 20% equity, you can request PMI removal. VA loans do not require PMI, making them an excellent option for eligible Ohio veterans.

Yes. Liberty Capital Services serves homebuyers throughout Franklin County and the greater Columbus metro, including Delaware County, Fairfield County, Union County, and Licking County. They are located at 438 E Wilson Bridge Rd #106, Columbus, OH 43085. Call (614) 505-0620 to speak with a local loan officer. Contact us today

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Your Mortgage, Our Mission

No obligation. Liberty Capital Services has helped Columbus-area homebuyers since 2003. Our local loan officers know the Central Ohio market and are ready to find the right loan for your situation.

More Columbus Mortgage Resources

Home Purchase Loans

All loan types for Columbus buyers

Refinancing Columbus

Lower your rate or access your equity

Today’s Ohio Rates

Current 30-yr, 15-yr, and jumbo rates

VA Loans Ohio

Zero-down loans for veterans and military

FHA Loans Ohio

Low down payment for first-time buyers

Conventional Loans

Flexible options for qualified buyers

Jumbo Loans Ohio

Financing above conforming loan limits

Learning Center

Columbus market news and mortgage guides

What Our Clients Are Saying

Excellent

Liberty Capital Services LLC4.9

Based on 236 reviews

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Missy C.

1 week ago

Response from the owner:Thank you so much for the 5-star rating, Missy! We appreciate your support and look forward to serving you again soon.

Shirley Z.

Shen Rao goes above and beyond for her clients and has helped me in the process of successfully securing my first condo. As a first time home buyer, I am always nervous and she was attentive and open to any questions I had. She took the time to explain each step of the process in a way that made everything feel manageable and clear, which really helped ease my anxiety. Her professionalism, patience, and genuine care made a stressful experience feel smooth and even exciting. I always felt like I was in good hands, and it was clear that she truly had my best interests at heart. I’m incredibly grateful for her guidance and would highly recommend her to anyone looking for a knowledgeable and dedicated real estate professional.

Response from the owner:Thank you so much for your kind words, Shirley. I’m thrilled we could secure your first condo and that my explanations and support helped ease your anxiety through the process. It was a pleasure working with you and I truly appreciate your recommendation. I’m here for any future real estate needs or questions.

Yongping G.

I had an excellent experience working with Rao Shen as my loan officer. My situation was not straightforward, and I had already faced difficulties getting approved by other banks. Rao went above and beyond to guide me through the process, stayed patient with every detail, and ultimately helped me secure the loan when it felt nearly impossible. What really stood out was her professionalism, responsiveness, and genuine willingness to help. She took the time to explain everything clearly and made sure I felt confident every step of the way. Because of my positive experience, I’ve also recommended Rao to several friends, and she has successfully helped them obtain their loans as well. It’s rare to find someone so dedicated and reliable in this field. I highly recommend Rao Shen to anyone looking for a trustworthy and capable loan officer.

Response from the owner:Thank you so much for your kind words and for taking the time to share your experience. We’re thrilled Rao was able to navigate your complex situation and appreciate you recognizing her professionalism, responsiveness, and dedication. Thank you for recommending Rao to your friends — your referrals mean a lot to us. We remain ready to support you and your referrals with any future financing needs.

Sen G.

This lending institution is highly professional and responsible. The entire process was smooth, efficient, and transparent, which gave me great confidence and peace of mind. The team was patient, attentive, and always willing to answer every question in detail. They truly put their clients first and provided outstanding service from start to finish. I highly recommend them to anyone looking for reliable and trustworthy financial support.

Response from the owner:Thank you, Sen, for your wonderful review and recommendation. We're thrilled our team made the process smooth, transparent, and reassuring for you. We appreciate your recognition of our professionalism and client-first approach, and we're always here to help with any future financial needs. Your trust means a great deal to us.

sgn C.

Shen Rao is my loan broker. She provided exceptionally professional service and gave patient, thorough explanations throughout the process. She helped me with translations and prepared all the necessary documents, ensuring a smooth loan process. I am very satisfied and highly recommend her.

Response from the owner:Thank you for sharing your experience and for recommending Shen Rao. We’re delighted she provided professional, patient service and helped with translations and documentation to make the loan process smooth. We appreciate your trust and are here to help with any future needs.

Wenxin Y.

We had a non traditional difficult case that was handled by Ms.Shen and she was able to have the case approved within a very short amount of time. She is on it!

Response from the owner:Thank you, Wenxin, for your 5-star review. We’re delighted Ms. Shen handled your non-traditional, difficult case so efficiently and secured approval quickly. We appreciate you recognizing her dedication and are here to help with any future needs.

Chris D.

2 weeks ago

James and his team were amazing! Made the process easy! Highly recommend

Response from the owner:Thank you for the great review. We are glad to hear that James and the Liberty Capital Services team made your mortgage process simple and easy. Our goal is always to provide a smooth experience for homebuyers and homeowners seeking home loans in Columbus, Ohio. We truly appreciate your recommendation and look forward to helping you again with any future mortgage or refinancing needs.

Sam C.

Shen is the best broker I ever met. We worked for a few properties, and she made the process very smooth and quick!!

Response from the owner:Thank you so much for the glowing review, Sam. We’re thrilled Shen made the process smooth and quick for your properties and appreciate you trusting us with your business. We look forward to working with you again whenever you need assistance.

B&C

Shen Rao was extremely professional and made the whole mortgage process fast and smooth. I really appreciate how quickly everything was completed.

Response from the owner:Thank you, Terry. We're thrilled Shen Rao made the mortgage process fast and smooth and appreciate you highlighting her professionalism. We'll share your kind words with Shen and the team. We look forward to assisting you again in the future.

Justin H.

1 month ago

As a realtor, I’ve had the pleasure of working with Jarrod Singleton at Liberty Capital Services LLC, and I can confidently say he is one of the most reliable and detail-oriented professionals in the business. From start to finish, he keeps everything organized, communicates clearly, and makes what can often be a stressful process feel smooth and manageable. His responsiveness and ability to stay on top of every detail really set him apart. Whether it’s coordinating documents, meeting tight deadlines, or answering questions quickly, Jarrod consistently delivers with a high level of professionalism. If you’re looking for someone who genuinely cares about getting things done right and on time, I highly recommend working with Jarrod Singleton at Liberty Capital Services LLC. You’ll be in great hands.

Response from the owner:Thank you, Justin, for the glowing recommendation and for taking the time to share your experience. We’re thrilled to hear Jarrod’s organization, responsiveness, and professionalism made transactions smoother for you and your clients. We’ll be sure to share your kind words with him. We look forward to continuing to support your deals and appreciate your ongoing trust in Liberty Capital Services LLC.

Jenna K.

I cannot recommend Liberty Capital Services more!! And here's why... I learned about Jarrod through my brother who also used him, and calling Jarrod was the best thing I could have done. He helped me through the process of obtaining my first home loan, and then again out of the blue with a refinance a few years down the road when life got a little messy (as it often does!). Since then, I've referred so many friends and others to him, because he makes the process SO simple! On top of that, he's very easy to talk to and truly feels like talking to a close friend (who swears a lot and tells you like it is haha). You absolutely cannot go wrong contacting him for your loan needs!! THANK YOU ENDLESSLY, JARROD. I could not have done any of this without you!

Response from the owner:Jenna, thank you so much for this amazing review and for trusting Jarrod and Liberty Capital Services with your home loan and refinance. We're thrilled he made the process simple and that he felt like a close, straightforward friend. We truly appreciate you referring so many friends and family, referrals are the highest compliment. We'll be sure to pass your thanks along to Jarrod and look forward to helping anyone you send our way.

Zaine N.

Jarod is super helpful if u ever have the chance to go through him i definitely recommend him.

Response from the owner:Thank you, Zaine! We're thrilled Jarod was so helpful and really appreciate your recommendation. We'll pass your kind words on to him and look forward to assisting you again in the future.

Nick G.

James and Laura were awesome to work with. They made our first time buying a home a breeze and helped us feel at easy throughout the process. No question was too small. They are very friendly and I would recommend to anyone looking for competitive rates and great customer service. Thank you Liberty Capital!

Response from the owner:Nick, thank you for the kind words and for choosing Liberty Capital. We’re thrilled James and Laura made your first home-buying experience smooth and comfortable. We appreciate your recommendation and are always here for any future mortgage needs. Congratulations on your new home!

Trevor R.

Look no further for your mortgage needs, seriously! You can do the traditional way and look for three lenders, but you'd be wasting your time. Jason Krasnow at Liberty Capital is bar none. First, he educated me on the pre-qualification process. Second, he was communicative throughout the whole process. Third, and most importantly, he made sure I was able to close on my property. Jason made the mortgage process easy and hassle free. A big plus for someone new to the home buying process. 10/10 would recommend Jason to anyone, new or seasoned, in the real estate world.

Response from the owner:Thank you, Trevor. We're thrilled Jason provided clear guidance, consistent communication, and helped you successfully close on your property. Your 10/10 recommendation means a lot and we'll be sure to share this with Jason and the team. Congratulations on your new home and we look forward to assisting you or anyone you refer in the future.

Sohail W.

2 months ago

Amazing financial services. Thought this process would be harder but James made everything go by so smoothly and easy! Best experience and will recommend to everyone !

Response from the owner:Thank you for the wonderful review, Sohail. We're so glad James made everything smooth and easy for you. Your recommendation means a lot, and we look forward to serving you and anyone you refer in the future.

Teresa K.

Our realtor recommended James and I’m so thankful. We had a unique situation. James and his team were responsive, helpful, and got us what we needed!

Response from the owner:Thank you, Teresa. We're so glad James and the team could help with your unique situation. We appreciate your realtor's referral and your kind words about our responsiveness and support. If you need anything in the future, please reach out.

Praveen K.

Jason and Laura are absolutely amazing. We have already closed several deals with them. Cannot recommend them highly enough.

Response from the owner:Thank you so much, Praveen, for your fantastic review and for trusting Jason and Laura to help close several deals. We're thrilled to hear you've had such a great experience and appreciate your strong recommendation. We look forward to continuing to support your real estate needs and helping with future transactions.

Kellie M.

3 months ago

Jason and his team are absolutely fabulous to work with!!! This is our second home loan (2 different houses) with him and we will keep doing business with them! Jason explains everything, always available for questions, and a super smooth process!! You can’t go wrong with this team!!! We have also done a refinance with Jason as well! Top notch!

Response from the owner:Thank you so much for your kind words, Kellie. We’re thrilled to have helped you with two home purchases and a refinance, and we truly appreciate your continued trust in Jason and the team. Clear communication and a smooth process are priorities for us, so it’s wonderful to hear we delivered. We look forward to working with you again whenever you need us.

Bobby B.

Jason and Laura are excellent to work with. Extremely fast, diligent, transparent, honest and very communicative. I couldn’t imagine receiving a better experience anywhere else. They also work with great partners at title and their partnerships with lenders are clearly just as exemplary.

Response from the owner:Thank you, Bobby. We’re thrilled Jason and Laura provided such a positive experience and we’ll be sure to pass your kind words along to them and our title and lender partners. We appreciate your trust and recommendation and are here to help whenever you need us.

Alison N.

James McBain was wonderful with purchasing my first home and all of the steps in between. Couldn’t recommend him more!

Response from the owner:Alison, thank you so much for the wonderful review! We’re thrilled James could guide you through buying your first home and that you had such a positive experience. We appreciate your recommendation and wish you many happy years in your new home.

Matthew J.

I had the pleasure of working with James and his team as a first time home buyer. He talked me through every step of the process from start to finish and was always willing to hop on a call and answer my many many questions. Incredibly excellent service which was only second to the interest rate that they were able to provide to me. I cannot recommend James enough.

Response from the owner:Thank you, Matthew. We're thrilled James and the team could guide you through every step as a first-time home buyer. We're glad we could secure a competitive rate and provide the support you needed, and we truly appreciate your recommendation. Enjoy your new home, and please reach out anytime if we can help again.

Tania Glez R.

4 months ago

Gracias a Maria y Griselda por su ayuda en este proceso hicieron que todo fuera rápido y entendible

Response from the owner:¡Muchas gracias, Tania! Nos alegra saber que María y Griselda hicieron el proceso rápido y fácil de entender; les transmitiré tus comentarios. Estamos siempre aquí para ayudarte cuando lo necesites.

林艳妮

沈饶非常专业，也很有经验，整个贷款过程都很耐心地帮我处理各种问题。根据我的情况帮我找到了利率很低、很合适的方案，真的帮了我很大的忙。工作期间一直认真负责，有问题都会及时跟进，让人很放心。整体体验非常好，真心推荐！

Response from the owner:非常感谢林艳妮的高度评价和真心推荐！很高兴沈饶能以专业和耐心为您找到合适的低利率方案并顺利处理贷款事宜。我们会把您的鼓励转达给沈饶和团队，继续保持认真负责的服务态度。今后如有任何需要，欢迎随时联系我们。

Min X.

Huge thanks to Rao Shen for being so patient and thorough throughout the entire process. She truly went above and beyond to help us secure our loan and buy our dream home. We’re incredibly grateful for her support and couldn’t have done it without her.

Response from the owner:Thank you so much for your wonderful review! We're thrilled to hear about your positive experience with Rao Shen. Her dedication to providing exceptional service is truly commendable. Congratulations on your new home, and we wish you all the best as you settle in! Your kind words mean a lot to our team.

Althea C.

5 months ago

I am a real estate agent in Cleveland, Ohio, and I worked with Shen Rao to help our mutual client to buy. She is responsive and professional, which helped the transaction go smoothly. I look forward to working with Shen Rao again!

Response from the owner:Thank you for your kind words, Althea! We're thrilled to hear that Shen was able to assist you and your client effectively. Your positive feedback highlights the importance of responsiveness and professionalism in real estate. We look forward to future collaborations as well!

andrew P.

I have been using this company for a few years now and really love the way they follow through with every step of the process. Maria , Grisela, and Laura are all top notch and keep the transactions flowing and their clients informed of every step in the process! Our Spanish clients could not be happier with the service they receive and as a realtor, if they are happy then I am happy too :) Thanks everyone!

Response from the owner:Thank you for your kind words and for being a loyal client for the past few years. We're thrilled to hear that Maria, Grisela, and Laura have provided excellent service and kept you and your clients informed throughout the process. Your satisfaction and your clients' happiness are our top priorities, and we look forward to continuing to work with you in the future!

ivan B.

6 months ago

Gracias a Lybery capital y en especial a Maria Gonzales que fue de gran ayuda para obtener el crédito que necesitaba.. excelente atención y muy amable atención muy profesional

Response from the owner:Agradecemos mucho su comentario, Ivan. Nos alegra saber que Maria Gonzales fue de gran ayuda en su proceso de obtención de crédito. Su satisfacción es nuestra prioridad y es un placer saber que recibió un servicio excelente y profesional. Esperamos poder ayudarle nuevamente en el futuro.

shawn M.

7 months ago

This group of professionals handled our process quickly and efficiently. James McBain was always available when we needed him. We were in the pre approval stage for 10 months as we were searching for our house and he never missed a beat. James was able to send us an updated pre-approved offer for our new house while he was at dime a dog night. Once we were in contract the team at liberty capital services supported us and made it easy to close

Response from the owner:Thank you for your fantastic review! We’re thrilled to hear that James and the team provided you with such dedicated support throughout your home buying process. It’s great to know that we could assist you efficiently, even during busy times. We appreciate your trust in us and wish you all the best in your new home!

Logan M.

Highly recommend Jason. Great to work with!

Response from the owner:Thank you for your positive feedback, Logan! We're thrilled to hear that you had a great experience working with Jason. Your recommendation means a lot to us! We look forward to serving you again in the future.

Xzavier B.

10/10 recommend! My wife and I were first-time homebuyers, so we had countless questions while shopping around for lenders. We diligently compared several lenders, all of whom came highly recommended by friends and family, and James beat them all with a competitive rate, flexible program options, and straightforward communication. We appreciated his availability, promptness, and willingness to educate us on the homebuying process. We have ZERO regret working with James and feel that the financial aspects of our borrowing were optimized. We'd recommend everyone at least consider him! Many thanks to James and his team for facilitating a seamless homebuying experience!

Response from the owner:Thank you so much for your wonderful review! We're thrilled to hear that you and your wife had a positive experience with James and his team. It's great to know that his competitive rates and open communication made a difference in your homebuying journey. Your recommendation means a lot to us, and we’re glad we could help you achieve this milestone. Congratulations on your new home!

Alabaster B.

Ken Wichman is AMAZING!!!! From the very beginning he answered all our questions regarding the loan process and addressed any concerns we had. He consistently went above and beyond to make us feel valued and that the entire transition was as seamless as possible! He informed us that he wouldn’t be able to attend our closing because he was attending a work conference in Michigan that day but to our DELIGHT he walked in saying he left a little early because he wanted to be there for us! We could not have asked for a better person to guide us through the home-buying experience!

Response from the owner:Thank you for your kind words about Ken Wichman! We're thrilled to hear that he made your home-buying experience so positive and seamless. Going the extra mile to be there for you at closing truly reflects his dedication. We appreciate your feedback and are so glad you felt valued throughout the process! Your satisfaction is our top priority.

Brian T.

James and his team were very accessible, helpful, and responsive. Very pleased with every step in the process.

Response from the owner:Thank you for your wonderful feedback, Brian! We're thrilled to hear that you found James and our team helpful and responsive throughout the process. Your satisfaction is our top priority, and we appreciate you taking the time to share your experience. We look forward to serving you again in the future!

Francisco S.

MR. Krasnow Jason goes above and beyond expectations handling your loan needs. I definitely recommend him for your loans needs.

Response from the owner:Thank you for your positive feedback about Jason Krasnow! We're thrilled to hear that he exceeded your expectations and provided excellent service. Your recommendation means a lot to us. We appreciate your trust in our team for your loan needs.

Jennifer C.

9 months ago

We’ve know and worked with Jason for the last 13 years. Liberty Loans is always fast and efficient when it comes to our finance needs. Thank you again Jason for assisting us with our construction loan for our beautiful new home we are building.

Response from the owner:Thank you for your kind words, Jennifer! We appreciate your loyalty over the years and are thrilled to hear that you had a positive experience with Jason and our team. Congratulations on your new home! We look forward to continuing to assist you with your financial needs in the future.

Kyle S.

I just enjoyed my second experience working with James and Liberty Capital. Another tremendous experience working with a responsive and caring team. I truly appreciate them helping with my home buying experience. Made it easy!

Response from the owner:Thank you Kyle...It was a pleasure working with you and we're so appreciative of your kind words and 5-star rating! Congrats!

Keren P.

Gracias a Liberty, capitán Service LLC En especial a Maria Gonzalez, por ayudarnos a obtener el préstamo para nuestra casa. Maria estuvo disponible Para mí, en todo momento, ayudándome en cualquier tipo de duda que tuviera 100% recomendada

Response from the owner:Agradecemos mucho tu reseña, Keren. Nos alegra saber que Maria Gonzalez fue de gran ayuda para ti en el proceso de obtención de tu préstamo. Su dedicación para atender tus dudas y necesidades es una prioridad para nosotros. Gracias por recomendar nuestros servicios y felicitaciones por tu nueva casa.

Young C.

I had a great experience working with jason during my home loan process. From the beginning, they were professional, knowledgeable, and incredibly responsive. They took the time to explain everything clearly, answered all my questions with patience, and made sure I understood every step of the process. Thanks to their guidance, everything went smoothly and on time. I truly felt supported throughout the entire journey. I highly recommend jason to anyone looking for a reliable and trustworthy loan officer!

Response from the owner:Thank you for your wonderful feedback! We're thrilled to hear that Jason provided you with such a positive experience during your home loan process. It's great to know that his professionalism and responsiveness made a difference for you. We appreciate your recommendation and look forward to assisting you or anyone you refer in the future.

Pamela A.

James was amazing to work with. He guided me though every step of the process and explained things in a way that was easy to understand. Ultimately, he helped make our dream a reality. Thank you Liberty Capital!

Response from the owner:Thank you for your wonderful feedback! We're thrilled to hear about your positive experience working with James. It's our goal to make the process easy and enjoyable for our clients, and we're delighted that we could help make your dream a reality. We appreciate your support and look forward to assisting you again in the future!

Regina W.

10 months ago

After years of not having my own home, David Fuller facilitated that dream! David led me through the loan process , professionally guiding me over the hurdles and challenges of moving from my home state of West Virgina to Columbus, Ohio. He even went out of his way to meet me half way to insure needed documents were delivered on time! I'm moving into my home this week, and it wouldn't have been possible without David Fuller!

Response from the owner:Thank you for sharing your amazing experience, Regina! We are thrilled to hear that David was able to guide you through the loan process and help make your dream of homeownership a reality. His dedication to ensuring everything went smoothly truly makes a difference. Congratulations on your new home in Columbus! We wish you all the best as you settle in.

Ciaran W.

Response from the owner:Thank you for the fantastic rating! We're thrilled to know you had a great experience with us. If there's anything specific you enjoyed or any feedback you'd like to share, we’d love to hear it. We look forward to serving you again soon!

Stephania P.

Jason and his team at Liberty Capital Services were fantastic. They made the whole loan process so much easier and were always there to answer our questions. We really felt taken care of and appreciated how honest and supportive they were from start to finish. So glad we worked with them!

Response from the owner:Thank you for your wonderful review, Stephania! We're thrilled to hear that Jason and the team were able to make your loan process smooth and enjoyable. Providing honest and supportive service is our priority, and it's great to know you felt taken care of throughout. We appreciate your trust in us and look forward to assisting you again in the future!

Eric C.

I used this company as a lender for a residential mortgage and they were very solid. Answered any questions I had, quick in responses and had a smooth process. Will go with them again in the future!

Response from the owner:Thank you for your positive feedback, Eric! We're thrilled to hear that you had a smooth experience with your residential mortgage and that our team was able to assist you effectively. We appreciate your trust in us and look forward to working with you again in the future. Your satisfaction is our priority!

Tiffany C.

We had a wonderful experience with Liberty Capital! We worked with Jason Krasnow, and he was fantastic! Very thorough, very attentive and made us comfortable throughout the entire process! Everything went smoothly and we felt informed and confident in every decision we made! Highly recommend Liberty Capital!

Response from the owner:Thank you for your wonderful review, Tiffany! We're thrilled to hear about your positive experience with Jason and the team. It's great to know that you felt informed and comfortable throughout the process. We appreciate your recommendation and look forward to serving you again in the future!

Stephan K.

11 months ago

I have worked together with Jason, Ken and Laura on several projects, and it’s a pleasure to work with them each time. I know my family will receive the most thorough service possible. Jason at Liberty Capital is very personable and makes you feel like a close friend. I’ve worked with Jason several times since 2022, and he works from the heart. No matter the hour of day he will get you an answer late into the night, truly above and beyond expectation. He is fun to speak with, making the job at hand go smoothly. I know I can trust Jason & the team at Liberty Capital with our information to get us the results we are looking for. Thank you for making the process manageable. We are returning clients and will do so again guaranteed. Thank you!

Response from the owner:Thank you so much for your kind words, Stephan! We're thrilled to hear that you've had such positive experiences with Jason, Ken, and Laura. It’s wonderful to know that our team has been able to provide you with thorough and heartfelt service. Your trust means everything to us, and we look forward to continuing to support you and your family in the future. We truly appreciate your loyalty as returning clients!

Drew H.

James was helpful handling my complex financial situation and was able to secure me a loan for a home. Very happy with their service.

Response from the owner:Thank you for your feedback, Drew! We're thrilled to hear that James was able to assist you with your financial needs and help you secure a home loan. Your satisfaction is our top priority, and we appreciate your kind words about our service. If you need anything else in the future, please don't hesitate to reach out.

Joy B.

12 months ago

As a Realtor, I know and work with a lot of lenders on behalf of my clients. When it came time for my husband and me to choose who we would be using for our own home, there was only one lender we considered. James McBain at Liberty Loans along with his team did a great job for us and we were thrilled with the process every step of the way. Thank you James for all your hard work and friendship!

Response from the owner:Thank you for your wonderful feedback, Joy! We’re thrilled to hear that you and your husband had a positive experience with James McBain and our team at Liberty Loans. Your trust and support mean a lot to us, especially coming from an experienced Realtor like yourself. We’re glad we could make the process smooth for you. Looking forward to assisting you and your clients in the future!

ccarsey

1 year ago

I’ve worked with James and the Liberty team several times. They are excellent. Fast, knowledgeable and courteous. I would recommend to anyone looking for a mortgage.

Response from the owner:Thank you for your kind words and for trusting Liberty Capital Services with your mortgage needs. We truly appreciate the opportunity to work with you. Our team strives to provide fast, knowledgeable, and courteous support for homebuyers and homeowners seeking mortgage solutions in Columbus, Ohio. Your recommendation means a great deal to us. If you ever need assistance with a home purchase, refinance, or mortgage guidance in Columbus, we are always here to help.

Aric J.

Laura and James were incredible to work with! Could not have gotten through the first time home buying experience! Can not recommend them enough! I would give them more than 5 stars if possible!

Response from the owner:Thank you for the wonderful review. We are so glad Laura and James were able to guide you through your first-time home buying experience. Purchasing a home can feel overwhelming, and our team at Liberty Capital Services is committed to making the mortgage process in Columbus, Ohio clear, smooth, and supportive every step of the way. Your recommendation truly means a lot to us. Congratulations on your new home, and please reach out anytime you need help with future mortgage or refinancing needs.

pilar J.

Working with Jason @Liberty Capital was an exceptional experience from start to finish. He were knowledgeable, responsive, and truly had my best interests at heart throughout the entire process.

Response from the owner:Thank you for sharing your experience. We are glad to hear that Jason and the team at Liberty Capital Services provided knowledgeable, responsive support throughout your mortgage process. Our goal is always to put our clients’ best interests first while making the home loan experience in Columbus, Ohio as smooth and transparent as possible. We appreciate your trust in our team and are always here to help with future home purchases, refinancing, or mortgage guidance.

Paola Q.

Response from the owner:Thanks Paola!

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