Find First-Time Home Buyer Specialists Near You in Louisville, OH
Compare first-time home buyer specialists in Louisville. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Ohio before hiring.
Showing 3 first-time home buyer specialists in Louisville, OH
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A first-time home buyer specialist in Louisville Ohio can guide you through the process of purchasing your first home. Ohio offers specific programs like the Ohio Housing Finance Agency (OHFA) grants and tax credits for eligible buyers. These specialists help you understand local market conditions and connect you with lenders familiar with first-time buyer loans.
What Does a First-Time Home Buyer Specialist in Louisville Cost?
In Ohio first-time home buyer specialists typically do not charge you directly because their commission is paid by the seller at closing. However you may pay for a home inspection which costs 300 to 500 dollars and an appraisal which costs 400 to 600 dollars. Closing costs in Ohio usually range from 2 to 5 percent of the home purchase price. Some lenders also charge an origination fee of 0.5 to 1 percent of the loan amount. This is general information and 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 Louisville Ohio?
A first-time home buyer specialist is a real estate agent or mortgage advisor who focuses on helping people buy their first home. They are familiar with Ohio-specific programs like OHFA down payment assistance and can explain the steps from pre-approval to closing.
What Ohio programs help first-time home buyers in Louisville?
The Ohio Housing Finance Agency offers the OHFA First-Time Home Buyer Program with fixed-rate mortgages and down payment assistance up to 5 percent of the loan amount. Buyers must complete a homebuyer education course and meet income and purchase price limits set for Stark County.
How do I qualify for first-time home buyer benefits in Ohio?
You generally qualify if you have not owned a home in the last three years. You must meet income limits which vary by county and household size. For Stark County in 2024 the limit is around 90000 dollars for a one or two person household. You also need a minimum credit score of 640 for most OHFA loans.