First Time Homebuyer Programs


Eligibility Criteria


  • Applicants must meet OHFA Income limits.



  • Applicants must meet debt to income ratios for their loan type.


  • Credit score requirements

    • Conventional, USDA, VA, and FHA 203(k) Loans: 640 or Higher

    • FHA Loans (Non-203(k)): 660 or higher.  Credit scores of 650-659 are acceptable for an additional fee.


  • Applicants must purchase a qualifying property that is limited to two acres within a municipal corporation and five acres outside a municipal corporation, unless additional acreage is required by local health or safety code. Qualifying properties include the following:

    • Existing homes: single-family dwellings, conforming condominiums, duplexes, and up to four-unit properties.

    • Newly built spec/nearly completed homes: one-unit single-family dwellings.

    • Modular Homes; one-unit single family dwellings


  • Additional requirements may apply to specific homeownership products




Please contact us today for more Information. 


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