Find Mortgage Lenders Near You in Kettering, OH
Looking for a mortgage lender in Kettering? 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 5 mortgage lenders in Kettering, 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.
Kettering Ohio home buyers and refinancing homeowners can work with local mortgage lenders to secure a home loan. Ohio law requires lenders to follow specific disclosure rules under the Ohio Mortgage Loan Act. Lenders in Kettering offer conventional FHA and VA loans to help you purchase or refinance a home in Montgomery County.
What Does a Mortgage Lender in Kettering Cost?
Typical mortgage lender costs in Ohio include an origination fee of 0.5 to 1 percent of the loan amount and third party fees such as appraisal at 400 to 700 dollars and title search at 200 to 500 dollars. Ohio also charges a mortgage recording fee of about 30 to 50 dollars. These costs vary by lender loan type and property value. 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 license do mortgage lenders need in Ohio?
Mortgage lenders in Ohio must hold a license from the Ohio Division of Financial Institutions. They also register with the Nationwide Multistate Licensing System (NMLS). You can verify a lenders license on the NMLS Consumer Access website.
How long does a mortgage pre approval last in Ohio?
A mortgage pre approval in Ohio typically lasts 60 to 90 days. Lenders may require updated financial documents if the pre approval expires. Check with your lender for their specific validity period.
Are there Ohio specific rules for mortgage closing costs?
Yes Ohio law requires lenders to provide a Loan Estimate within three business days of application. Closing costs in Ohio usually range from 2 to 5 percent of the loan amount. This estimate includes appraisal title insurance and recording fees.