Purchase
Buying a home
Pre-approval listing agents take seriously. FHA, USDA, VA, conventional — funded on the contract date from Wintersville and Newark.
How a purchase file runs
Step 1
Pre-approval
Income, credit, assets, and a number you can write into an offer.
Step 2
Contract
We read the dates, the inspection window, and the financing clause the day it lands.
Step 3
Underwrite
Appraisal, title, insurance, and conditions in one queue — not a call center handoff.
Step 4
Close
Clear to close on the date in the agreement. If the date moves, we move with it.
What to send us
- Two years of W-2s or tax returns if self-employed
- Thirty days of paystubs or a profit-and-loss
- Two months of bank and asset statements
- Photo ID and the address you want to write on
Programs for a purchase
- FHA Loans
Flexible credit and a lower down payment. Built for first-time buyers and anyone who does not fit a conventional box.
- USDA Loans
No-down-payment financing for eligible rural and small-town properties across the Ohio Valley, Licking County, and Tuscarawas County.
- VA Loans
Zero-down home loans for eligible veterans, active duty, and surviving spouses.
- Conventional Loans
Competitive rates and flexible terms when credit and down payment are in good shape.
- DSCR Investor Loans
Debt-service coverage loans underwritten to the property’s rent, not only W-2 income.
Purchase questions
- How long does a purchase pre-approval take?
- Same day on a complete file — income, ID, and a target price.
- What do listing agents want to see?
- A letter with a name, a loan officer phone number, and a number that matches the offer. That is what we issue.
- Which program should I use?
- We price FHA, conventional, VA, and USDA against the same house. The cheapest honest payment wins.
- Can I buy in Ohio, West Virginia, and Pennsylvania?
- Yes. This branch is licensed in all three. The file stays here.
Start here
Get a purchase pre-approval
Start the official application or call the branch if you need a file opened tonight.