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Ohio home loans

Buying in Cleveland, Columbus, Cincinnati, Toledo, Dayton, or Akron? Choose a mortgage lender that helps you select the right home loan, not only the lowest teaser rate.

Truss Financial Group serves borrowers statewide with Conventional, FHA, VA, USDA, Jumbo, HELOC, and Non-QM options, including bank-statement loans, DSCR loans, and asset-depletion programs. 

First-time buyers can also explore OHFA assistance so you do not miss available benefits.

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Key takeaways

Quick answers
  • What are today’s average mortgage rates in Ohio? → Add updated daily figure
  • What’s the minimum credit score for an Ohio home loan? → 580–620 depending on loan
  • How much down payment is required? → 0–5% depending on program
  • What’s the average home price in Ohio? → Add statewide median
  • Are there programs for first-time homebuyers? → Yes, through OHFA (Ohio Housing Finance Agency)
Snapshot table
  Typical value Notes
30-Year Fixed Rate Add % Based on Bankrate/Freddie Mac
Median Home Price Add $ Ohio MLS average
Minimum Down Payment 0–3.5% FHA/VA/USDA eligible
Minimum Credit Score 580–640 By loan type

Where Do We Offer Home Loans in Ohio?

We lend across the state. Our team regularly helps home buyers and owners in Cleveland, Columbus, Cincinnati, Toledo, Dayton, and Akron, as well as nearby communities. If you live outside these cities, we can still assist you with the same care and speed.

How Do Home Loans Work in Ohio?

The path is straightforward once you see the steps. You begin with a preapproval, make an offer, complete the appraisal, move through underwriting, then attend closing. We explain your credit, DTI, down payment, closing costs, and your loan options at each stage.

Loan Process Table

Key takeaways

Quick answers
  • What are today’s average mortgage rates in Ohio? → Add updated daily figure
  • What’s the minimum credit score for an Ohio home loan? → 580–620 depending on loan
  • How much down payment is required? → 0–5% depending on program
  • What’s the average home price in Ohio? → Add statewide median
  • Are there programs for first-time homebuyers? → Yes, through OHFA (Ohio Housing Finance Agency)
Snapshot table
  Typical value Notes
30-Year Fixed Rate Add % Based on Bankrate/Freddie Mac
Median Home Price Add $ Ohio MLS average
Minimum Down Payment 0–3.5% FHA/VA/USDA eligible
Minimum Credit Score 580–640 By loan type

Where Do We Offer Home Loans in Ohio?

We lend across the state. Our team regularly helps home buyers and owners in Cleveland, Columbus, Cincinnati, Toledo, Dayton, and Akron, as well as nearby communities. If you live outside these cities, we can still assist you with the same care and speed.

How Do Home Loans Work in Ohio?

The path is straightforward once you see the steps. You begin with a preapproval, make an offer, complete the appraisal, move through underwriting, then attend closing. We explain your credit, DTI, down payment, closing costs, and your loan options at each stage.

Loan Process Table

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Discover your borrowing power and plan your mortgage journey with knowledge on your side.

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We leverage simplified loan processes and innovative financing solutions, turning mortgage obstacles into possibilities for our clients.

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Headquarters:

  • 999 Corporate Dr, Ste. 180
    Ladera Ranch, CA 92694

Irvine Office:

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  • Company NMLS: 2006915

Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 north Lamar, suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.Sml.Texas.Gov. A toll-free consumer hotline is available at 1-877-276-5550.

The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.Sml.Texas.Gov

This website is provided solely for informational purposes. The accuracy of the information is not guaranteed, either expressly or impliedly. The content herein should not be construed as an offer to extend credit or as a commitment to provide a loan. Approval of loans is contingent upon the completion of underwriting procedures, and not all applicants may qualify for approval. Certain restrictions may apply.

MORTGAGE BROKER ONLY. NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.

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