✦ Buyer's Guide · Greater Cincinnati
A practical walk-through of what happens from your first conversation to handing over keys — written for first-time buyers, but useful at any stage.
Before you tour homes, talk to a vetted loan officer. Pre-approval — not just pre-qualification — tells sellers you're serious and locks in your price ceiling.
School district, commute, square footage, yard size — write them down with priorities. We'll filter listings against this list so no time gets wasted on the wrong homes.
I'll set up MLS alerts for new listings matching your criteria, and we'll tour together. Out-of-state relocators get video walk-throughs.
Strong offers are about more than price — earnest money, financing terms, inspection windows, closing date, and contingencies all matter. We craft each offer to win without overpaying.
Once accepted, the clock starts. Home inspection (week 1), appraisal (weeks 1–2), final loan approval (weeks 3–4). I coordinate the calendar and vetted vendors.
Title company hosts the signing. You'll sign 30–40 pages (we explain each one). Bring photo ID + a cashier's check for closing costs. Then you get the keys.
✦ First-Time Buyer Programs
3.5% down, credit 580+, mortgage insurance for the life of the loan unless refinanced.
3% down conventional loan, PMI drops off at 80% LTV. Better long-term than FHA if you can swing it.
0% down for eligible veterans + active military. No PMI ever. Best mortgage product on the market — if you qualify.
0% down for rural-eligible properties (parts of Warren/Butler/Clermont counties qualify). Income limits apply.
Ohio Housing Finance Agency offers down-payment assistance grants + below-market rates for first-time buyers. We connect you with approved lenders.
✦ Ready to start?
One conversation. No pressure. We'll talk through your timeline, budget, and what you want — then I'll send you a few listings to get started.
Thinking about selling instead? Read the Seller's Guide →