Licking County, OH · Licking County
Licking County OH Mortgage Lender
If the property is in Licking County, it is this office.
Buying or refinancing in Licking County
County-wide purchase, refinance, USDA, FHA, and OHFA.
Coverage includes Licking County. Files run from Newark Office at 2034 Cherry Valley Road.
USDA and down payment
Much of the county outside the cores still maps USDA.
Ohio buyers may stack OHFA assistance on FHA or conventional when income and purchase price fit the current program.
Programs we close here
3.5% down
FHA Loans
Flexible credit and a lower down payment. Built for first-time buyers and anyone who does not fit a conventional box.
0% down
USDA Loans
No-down-payment financing for eligible rural and small-town properties across the Ohio Valley, Licking County, and Tuscarawas County.
Veterans
VA Loans
Zero-down home loans for eligible veterans, active duty, and surviving spouses.
Strong credit
Conventional Loans
Competitive rates and flexible terms when credit and down payment are in good shape.
Investors
DSCR Investor Loans
Debt-service coverage loans underwritten to the property’s rent, not only W-2 income.
How a Licking County file works
Step 1
Pre-approval with income, credit, and a number you can write to.
Step 2
Contract review the same day it hits the desk.
Step 3
Appraisal, title, and underwriting conditions in one queue.
Step 4
Clear to close on the date in the agreement. Call (740) 281-2902 if the date moves.
Licking County questions
- Who originates mortgages in Licking County?
- The Polaris Home Funding team at Newark Office, 2034 Cherry Valley Road, Newark. Call (740) 281-2902.
- What loan programs work in Licking County?
- FHA, conventional, VA, and — when the address maps — USDA. Ohio properties can add OHFA down payment assistance.
- Can I get a USDA loan in Licking County?
- Much of the county outside the cores still maps USDA.
- How fast can I get pre-approved?
- Same day on a complete file. Send income, ID, and a target price. We issue a letter listing agents can use.
- How do I apply for a Licking County loan?
- Start the official Encompass application or call (740) 281-2902. The file stays with this branch.
Start here
Start a Licking County loan
Start the official application or call the branch if you need a file opened tonight.