Find First-Time Home Buyer Specialists in Lancaster, OH
Looking for a first-time home buyer specialist in Lancaster? Review the directory below to compare your options.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of Ohio before hiring.
Showing 18 first-time home buyer specialists in Lancaster, OH
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
A first-time home buyer specialist in Lancaster, Ohio can guide you through the home buying process. Ohio offers specific programs like the Ohio Housing Finance Agency (OHFA) grants and tax credits for qualified first-time buyers. These specialists help you understand local market conditions and navigate state-specific requirements.
What Does a First-Time Home Buyer Specialist in Lancaster Cost?
Typical costs for first-time home buyer specialist services in Ohio vary. Real estate agent commissions are usually paid by the seller and range from 5 to 6 percent of the home price. Mortgage origination fees often run 0.5 to 1 percent of the loan amount. OHFA down payment assistance may have a fee of 1 percent of the loan. Home inspections cost 300 to 500 dollars and appraisal fees are 400 to 600 dollars. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is a first-time home buyer specialist in Lancaster Ohio?
A first-time home buyer specialist is a real estate agent or mortgage professional with training in Ohio first-time buyer programs. They help you find loans with low down payments and connect you with state grants like OHFA. They also explain local requirements for Lancaster and Fairfield County.
What Ohio programs are available for first-time home buyers in Lancaster?
Ohio offers the OHFA First-Time Home Buyer Program with 30-year fixed rate mortgages and down payment assistance up to 5 percent of the loan amount. The Ohio Grants for Grads program provides up to 3 percent in assistance for recent college graduates. Lancaster buyers may also qualify for local Fairfield County housing counseling programs.
How do I qualify as a first-time home buyer in Ohio?
You generally qualify if you have not owned a home in the last three years. Ohio law requires you to complete a home buyer education course approved by OHFA. Income limits and purchase price caps apply and vary by county. For Fairfield County in 2024 the income limit for a one or two person household is around 82,000 dollars.