Loan Officer
Milestone Mortgage Solutions shops 65+ investors to find loan options that fit your situation, whether you’re buying in Columbus, Cleveland, or one of Ohio’s smaller cities in between. Your Milestone loan officer compares lenders so you don’t have to, and walks you through every step from application to closing.
Banks offer their own products. Milestone offers the market. Your loan officer shops your scenario across 65+ investors to find the rate and program that fits your situation. You get options, not a take-it-or-leave-it quote.
Ohio doesn’t have a Milestone branch on the ground, but that doesn’t change what you get. Your loan officer works the same 65+ investor network whether you’re buying near Wright-Patterson Air Force Base outside Dayton, in Columbus’s Franklin County suburbs, or along Lake Erie in Cleveland or Toledo. Every Ohio borrower gets the same process and the same loan officer relationship as anywhere else Milestone serves.
Clear-to-close in as few as 15 days. Every cost is upfront from day one. You see exactly what you’re paying before you commit.
Your loan officer matches you to the right loan based on your goals, not a script. Whether you’re a first-time buyer in Columbus or refinancing in Toledo, your loan officer walks you through every step from application to closing.
Traditional mortgages with competitive rates for borrowers with good credit. Down payments as low as 3%.
Government-backed loans perfect for first-time buyers with flexible credit requirements.
Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!
Zero down payment loans for eligible rural and suburban homebuyers. Great for first-time buyers!
Lower your rate, reduce your payment, or tap into your home's equity with our refinance options.
Financing for luxury properties and high-value homes that exceed conventional loan limits.
Conventional Loans: The 2026 conforming loan limit across Ohio is $832,750, the same national baseline that applies statewide.
FHA Loans: FHA loan limits in Ohio run from the national floor of $541,287 in most counties up to $591,100 in Delaware, Fairfield, Franklin, Hocking, Licking, Madison, Morrow, Perry, Pickaway, and Union counties, the Columbus metro area.
VA Loans: Wright-Patterson Air Force Base near Dayton employs more than 38,000 people, and Ohio’s veteran and active-military community makes VA loans a strong fit statewide.
USDA Loans: USDA eligibility reaches beyond Ohio’s rural core into suburban fringe areas outside Columbus, Cincinnati, and Cleveland, where many buyers don’t realize a $0-down USDA loan might still apply.
Jumbo Loans: In Ohio, a loan becomes jumbo once it exceeds the statewide conforming limit of $832,750. That threshold doesn’t shift by county the way it does in some higher-cost states.
Milestone serves homebuyers in Columbus, Cleveland, Cincinnati, Toledo, Akron, Dayton, Parma, Canton, and communities across the state. Your loan officer matches you to the right program, whether that’s a conventional loan for a home in the Columbus suburbs or VA financing for a veteran near Wright-Patterson Air Force Base outside Dayton. From conventional loans to refinancing, Milestone helps Ohio homebuyers find the right mortgage for their situation.
Ohio doesn’t require a real estate attorney to close, so most purchases go through a title company, though buyers are always free to hire their own attorney for review. Ohio’s mortgage industry falls under the Division of Financial Institutions within the Ohio Department of Commerce, which administers the Ohio Mortgage Broker Act, and Milestone keeps current on programs like OHFA’s down payment assistance, which can cover 3% to 3.5% of a home’s purchase price for eligible first-time and repeat buyers.
Milestone serves homebuyers in 30+ states.
Can’t make it during business hours? Leave a message anytime and we’ll get back to you the next business day.
Milestone has 70+ loan officers ready to help you find the right mortgage. Tell us about your goals and we’ll match you with a loan officer who knows your market and fits your situation.
Fill out a short form on our website. We’ll ask the basics: purchase or refinance, loan amount, and your timeline. Takes about 5 minutes.
Your loan officer reviews your scenario and shops it across 65+ investors. You’ll receive personalized loan options and suggestions, not a generic rate sheet.
Once you’ve chosen the right option, your loan officer locks the rate and walks you through your documents. Upload everything through Milestone’s secure portal.
Milestone coordinates with your real estate agent, title company, and appraiser. Clear-to-close in as few as 16 days.
Ohio charges a real property conveyance fee of $1 per $1,000 of the sale price statewide, plus up to $3 more per $1,000 in local permissive fees that 87 of Ohio’s 88 counties charge (Ross County is the one exception). On a $250,000 home, that’s roughly $250 to $1,000 total depending on the county. Sellers customarily pay it, though the fee is negotiable between buyer and seller.
Ohio’s homestead exemption reduces the taxable value of a primary residence by $26,200 for homeowners who are 65 or older or permanently disabled, subject to an income limit around $38,600 a year, and by $52,300 for veterans with a 100% service-connected disability rating, with no income limit. It’s an annual reduction in assessed value, applied through your county auditor. Ohio lawmakers have proposed a bill to raise both amounts, though it hasn’t passed as of this writing.
Yes. The Ohio Housing Finance Agency’s Your Choice! Down Payment Assistance program provides 3% of the purchase price for conventional loans or 3.5% for FHA, VA, and USDA loans, structured as a forgivable second loan that’s fully forgiven after seven years as long as you stay in the home. A HUD-approved homebuyer education course is required to qualify.
No. Ohio is an equitable-distribution state, not a community property state. That distinction mainly matters in divorce or estate situations rather than in day-to-day underwriting, but it’s worth knowing if you’re purchasing or refinancing with a co-borrower and questions about ownership come up.
Your Milestone loan officer will compare options from 65+ investors to find the right fit for your situation in Ohio. Fill out a quick form and a loan officer will reach out to walk you through your options. Not in Ohio? Milestone serves homebuyers in 30+ states.
