First Ohio Home Finance, Inc. County Line Rd, Westerville

My wife and I had a master plan to sell our San Diego-area residence and use the proceeds to live mortgage-free in Columbus. Things changed once we actually started looking for homes. We became picky to the point where it increased our price range. I wanted a home with a great room and my wife wanted a yard with mature trees. Then came a finished basement; then came wood floors; then came a bathroom with a jet tub…blah, blah, blah. So we needed a mortgage. But there was one big problem: I do gig and contract work. My wife is a stay-at-home mom. For tax and mortgage purposes, I’m considered a small business. Lenders strongly prefer applicants with traditional W-2 employment. The days of bankers giving out mortgages like Oprah gave out cars are long gone. Even worse, I had only officially been in business full-time for a year. Banks require two years of business tax returns just to pre-approve a mortgage. In short, our chances at a mortgage and our dream home did not look good. But Jeff Smith made it work. After the big banks told me I needed two years of self-employed tax returns, Jeff said he could close our mortgage with my upcoming tax transcript as proof of income. And he did just that. Sure, the process was tedious and there was a lot of documentation involved (client contracts, letters of confirmation from clients, 1099s, etc.), but Jeff guided me through each step and always responded right away via text, email, or phone; he even worked a weekend to ensure I could get a pre-approval letter to make an offer on a very competitive home that had just hit the market. In the end, our offer was accepted and we now own the home. I highly recommend Jeff Smith and First Ohio Home Finance to anyone seeking a mortgage, especially those who have less than ideal circumstances. He is pleasant yet very determined in making sure you close on your home in a timely fashion.

A friend referred Chris & his team to me and I highly recommend First Ohio Home as well. It was painless for me and my family; we are annoyingly slow at times but Chris was always available and kept up the quick communication.

Awesome experience refinancing my home. On top of things at every step. Very professional firm I can confidently send friends to.

The loan process was extremely easy and the agent I worked with helped me every step of the way. The agent also made sure to look at all different loan options for me and presented the different options in order for me to choose. I would highly recommend this company while reviewing mortgage options.

A big thank you for your hard work and diligence in getting our loan funded. Yard Funding Service was a pleasure to work with. Your transparency was something different and refreshing in dealing with finance companies. I recommend Yard Funding Services to businesses/individuals who are interested in getting funding of any kind. Contact them for further loan acquisition procedures. Contact Email:- [email protected] THANKS.

This was my second time working with Troy and his team and it was another great experience! They are kind, efficient, accessible, and make the process easy. I would recommend them to anyone and use them again in the future!

Sold my mortgage to wells Fargo before I even made my first payment. I absolutely despise wells Fargo I had issues with them in the past where they didn't process a payment on their end correctly and later marked my credit and would not acknowledge their mistake, also didn't want to work with me when rates dropped while in contract.. first ohio is about money in their pocket and that's it . My next mortgage will definitely not be here .

As a first home time home buyer, First Ohio made the experience as smooth as possible. We have a lot going on in life and with the help of these fine people, it was one less thing to worry about. Highly reccomend First Ohio!

I had the pleasure of working with Maureen Kapasi while looking for my new home. She was very knowledgeable and walked me through the whole process. When asking questions, she answered quickly. I was very pleased and will continue to refer people to her. Thanks Maureen..You're the best !!

Tony and his staff are wonderful and make the mortgage process very easy to navigate. I have worked with Tony on several home purchases over the years and each experience exceeds my expectations. Tony, thanks for the wonderful job you do!