The blog
Ohio mortgage answers, written by the guy who does the loans.
No rate bait, no recycled press releases. Buydowns, OHFA assistance, self-employed income, investor math — what actually closes in Cincinnati, Columbus, and across Ohio and California.
September 9, 2026 Bilt Rewards on Your Mortgage in Ohio: What Actually Exists in 2026 and How I Use It Bilt now earns points on mortgage payments with no transaction fee. A Cincinnati loan originator explains what's real, what isn't, and the one rule that keeps rewards from costing you money. Read it →
September 9, 2026 Ohio First-Time Home Buyer Grants and Down Payment Assistance in 2026 (Cincinnati Edition) Every Ohio first-time home buyer grant and assistance program that's actually funded in 2026: OHFA YourChoice!, Ohio Heroes, Grants for Grads, the Mortgage Tax Credit, Cincinnati ADDI, Communities First, and more. Read it →
September 9, 2026 2-1 and 1-0 Buydowns in Ohio: How a Temporary Rate Buydown Works in 2026 A 2-1 buydown cuts your rate 2% in year one and 1% in year two, usually on the seller's dime. Real Ohio numbers on a $300,000 loan, who pays, and when it beats a price cut. Read it →