Find First-Time Home Buyer Specialists in Troy, OH
Directory of first-time home buyer specialists in Troy, Ohio. Verify credentials with the state state mortgage licensing authority before hiring.
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 20 first-time home buyer specialists in Troy, 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.
What Does a First-Time Home Buyer Specialist in Troy Cost?
Typical costs for a first-time home buyer specialist in Ohio include a real estate agent commission usually paid by the seller, typically 5 to 6 percent of the sale price. Mortgage origination fees range from 0.5 to 1 percent of the loan amount. Closing costs in Ohio average 2 to 5 percent of the purchase price, including title insurance, appraisal fees, and recording fees. Down payment assistance programs may reduce upfront cash needed. 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 Troy Ohio?
A first-time home buyer specialist is a real estate agent or mortgage professional who focuses on helping buyers who have not owned a home in the past three years. They are familiar with Ohio first-time buyer programs, such as OHFA down payment assistance and the Ohio Homebuyer Plus tax credit. They also know local Troy lenders and inspection requirements.
What Ohio programs are available for first-time buyers in Troy?
Ohio offers the OHFA First-Time Homebuyer Program with up to 5% down payment assistance and a 30-year fixed rate mortgage. Troy residents may also qualify for the Miami County Community Development Block Grant for home repairs. Buyers should check with local lenders for USDA Rural Development loans if the property is in an eligible area near Troy.
How long does the home buying process take for a first-time buyer in Ohio?
The typical timeline in Ohio is 30 to 60 days from offer to closing. Ohio law requires a signed purchase agreement and a 3-day right of rescission for certain loans. The process includes a home inspection, appraisal, and final walkthrough. Delays can occur if financing or title issues arise.