Hey everyone,
I’m a first-time buyer looking to purchase my childhood home in Cincinnati.
I am in desperate need of recommendations for reliable mortgage companies, brokers, or lenders in the city.
I’m still in the decision-making phase, and honestly, it’s been quite a journey.
Any advice or suggestions would be greatly appreciated.
Thanks in advance😊
Third Federal was excellent. They paid for all of my closing costs and I was able to get a low-cost mortgage. Additionally, we ended a week early.
Obtain at least three pre-approvals before choosing a partner so that you can negotiate a little. If you hold a competitive offer, you have a fair degree of leeway.
In any case, you do not need prior approval to barter for better prices.
You can give them your approximate credit score over the phone and request an estimated rate. If they refuse to deliver it to you without first obtaining your approval, you may say alright, thanks, and end the call.
In any case, you do not need prior approval to barter for better prices. You can give them your approximate credit score over the phone and request an estimated rate. If they refuse to deliver it to you without first obtaining your approval, you may say right, thanks, and end the call.
When I bought my first home, I found that local mortgage brokers and lenders can be incredibly helpful. For Cincinnati, I’d recommend looking into local banks like Fifth Third Bank or PNC, as well as regional lenders like Fairway Independent Mortgage or The Home Loan Expert. I also had a positive experience with a local mortgage broker who helped me navigate the process and find the best rates. It’s a good idea to get pre-approved with a few options to compare terms and find a lender that best suits your needs. Good luck with your purchase! 