Question 1

What makes Bonelli Financial Group one of Ohio's best mortgage lenders?

Accepted Answer

Bonelli Financial Group is an independent mortgage broker that shops your loan across dozens of wholesale lenders to find the most competitive rate. We hold an A+ BBB rating, a 5-star Zillow rating, and our Ohio borrowers close in 14-21 days on average — well below Ohio's statewide average of 47 days.

Question 2

What credit score do I need for an Ohio home loan?

Accepted Answer

FHA loans allow scores as low as 580 with 3.5% down, or 500 with 10% down. Paired with Ohio DPA programs, FHA buyers can achieve 0% out of pocket. Conventional loans typically require 620+. VA loans have no official minimum. OHFA programs require 640 for conventional and 650 for FHA.

Question 3

How much down payment do I need to buy a home in Ohio?

Accepted Answer

VA loans require 0% down for eligible veterans. FHA loans paired with OHFA assistance can bring out-of-pocket costs to 0%. Conventional loans start as low as 3% down. On Ohio's median home price of $263,500, a 3.5% FHA down payment is approximately $9,222 before assistance is applied.

Question 4

What are current Ohio mortgage rates?

Accepted Answer

Ohio mortgage rates change daily based on market conditions, credit score, loan type, down payment, and loan amount. Call Bonelli Financial Group at 800-266-3554 or request a free rate quote for a real number based on your specific situation — no obligation.

Question 5

Can self-employed borrowers get an Ohio home loan?

Accepted Answer

Yes. Bonelli Financial Group offers bank statement loan programs for self-employed Ohio borrowers using 12-24 months of bank statements instead of tax returns. Available for contractors, business owners, freelancers, and gig workers throughout Ohio.

Question 6

How fast can you close an Ohio home loan?

Accepted Answer

Bonelli Financial Group's Ohio borrowers typically close in 14-21 days, compared to Ohio's statewide average of approximately 47 days.

Question 7

What is the best mortgage company in Ohio?

Accepted Answer

The best Ohio mortgage lender gives you the most competitive rate, closes on time, and keeps you informed. Bonelli Financial Group delivers all three — with an A+ BBB rating, 5-star Zillow reviews, wholesale rate access across dozens of lenders, and closings in 14-21 days.

Question 8

What Ohio cities do you serve?

Accepted Answer

Bonelli Financial Group serves all of Ohio including Columbus, Cleveland, Cincinnati, Toledo, Akron, Dayton, Youngstown, Canton, Mansfield, and all surrounding communities. We are licensed statewide and work remotely from application to closing.

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