15 Years. Over 3,000 Closings. One Honest Mortgage Broker.
15 Years. Over 3,000 Closings. One Honest Mortgage Broker.
Talk to Steve — he'll tell you exactly where you stand.
Most people only buy a home once or twice in their life. So getting straight answers — about your rate, your cash to close, and what you actually qualify for — matters more than slick promises. Steve has spent 15 years helping Ohio families get to the closing table without the runaround.
Available 24/7
Get Answers Now
Available 24/7
Get Answers Now
Purchase Loans • Refinance • FHA • VA • Conventional • Self-Employed • Second Mortgages
Get Answers Fast. Know Your Options.
Move Forward With Confidence.
Tell Steve What You Need.
He’ll Help You Find the Right Loan Path.
From first-time buyers to repeat buyers, Steve helps you understand your options and get ready to move.
Looking to lower your payment, change your loan term, or pull cash out? Steve can help review the numbers.
Why Ohio Homebuyers Keep Sending Steve Their Friends and Family
After 15 years and over 3,000 closed loans across Columbus, Dayton, Cincinnati, and the small towns in between, Steve has built his reputation one closing at a time.
Here's what makes him different:
He won't throw your loan against the wall to see if it sticks. He won't quote you a low rate just to bump it up later. And he won't waste your time chasing a deal that isn't the right fit for you.
What you'll get is straight talk, aggressive pricing from day one, and a team that knows how to actually get to closing — even on the deals other lenders gave up on.
Loan Programs Built Around
Real Borrower Scenarios
Every borrower is different. Steve helps match the right mortgage solution to the right situation.
Lower down payment. More forgiving credit. A solid first step for plenty of buyers — when it's actually the right fit for your situation. Steve will tell you straight.
If you served, you've earned this one. Zero down, no PMI, and some of the best terms in the market. Steve will walk you through every benefit you're entitled to.
If you've got steady income and solid credit, this is usually where the best long-term value lives. Steve runs the numbers up front so you know exactly what you're working with.
If you're 62 or older with home equity built up, this can turn it into cash flow without selling or taking on a monthly payment. Not right for everyone — but a smart play for the right homeowner. Steve will walk you through the trade-offs honestly.
Tap your home's equity without giving up the first-mortgage rate you locked in years ago. Smart play for renovations, debt consolidation, or major expenses — when it actually pencils out.
Tax returns don't always tell the whole story. If you're a 1099 earner, business owner, or self-employed, Steve can look at bank statements and alternative documentation to help you qualify — when the file's clean enough to close cleanly.
Buying your first home is a big deal — and there are more paths to the closing table than most people realize. Steve will help you compare options, plan your cash to close, and avoid the rookie mistakes that cost real money.
Worried About Cash to Close? You're Not Alone.
It's the question Steve hears more than any other — "How am I going to come up with the money to close?"
The good news: there are usually more options than you've been told. Seller concessions. Lender credits. Gift funds. Repositioning retirement money the right way. Strategies most lenders never mention because they take a few extra minutes to explain.
Steve will sit down with you, look at your full picture, and walk you through every option that actually applies to your situation — before you ever fill out an application.
What to Do (and Avoid) Before You Apply for a Mortgage
Get straightforward guidance from Steve to help you make better mortgage decisions.
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How To Choose the Right Lender for You
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Refinancing youe loan and when to do it
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Have Questions About Your Loan?
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Fifteen years of experience. One honest conversation. No pressure, no runaround.
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. - NMLS ID 1660690 | 1125 North Bird RD, Springfield, OH, United States, 45503
Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov
A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov