Affordable, Trusted, Local Home Loans Ohio

Affordable, Trusted, Local Home Loans in Ohio

Home is where life happens. It’s where you unwind, gather with the people you love, and build memories that last. It’s also one of the biggest financial decisions you’ll ever make, which is why choosing a trusted, local, and affordable home loan in Ohio matters.

Whether you’re a first-time homebuyer, looking to refinance your mortgage, or purchasing your forever home, MyUSA Credit Union is here to help. With a simple online application and our experienced local home loan team, you’ll get guidance every step of the way—making it easier than ever to secure a mortgage in Southwest Ohio that fits your life and your budget.

Step 1:

Apply

Apply with what works best for you – online, over the phone with a licensed loan officer, or in person. We’ll keep it simple with property info, income and assets, and your current loan details if you’re refinancing.

Step 2:

Pre-Approval

A licensed loan officer will review your application to determine pre-approval. Once that’s complete, you can compare loan programs, rates, and terms to move forward with confidence.

Step 3:

Locking Your Rates

Let’s get locking! Rate locks usually last 30–60 days – enough time to get you to closing. You’ll first review a Loan Estimate, which breaks down estimated costs, fees, interest rate, and loan terms before anything is locked in.

Step 4:

Sign + Close

Most loans close in about 22 days from the time you sign your Loan Estimate. Every loan is different, so timing can vary. Once our underwriter gives the green light, we’ll schedule your closing and see you at the table!

Apply For a Home Loan

Have Questions?

Chat

Visit

Call

Our Mortgage Team

Katelyn Zeigler

Loan Officer – South of Dayton
NMLS ID #259508
Contact Katelyn
513.727.2766

Alex Slone

Loan Officer – South of Dayton
NMLS ID #2480497
Contact Alex
513.420.5837

Helpful Links

Mortgage Calculators

Mortgage Terminology

Home Loans Frequently Asked Questions

Minimal Down Payment and Closing Costs. Down payment 3.5% of Sales Price.
Eliminates need for separate Mortgage Insurance approval!
Gift for down payment and closing costs allowed.
No reserves are required.
Seller can credit up to 6% of sales price towards buyers closing costs and prepaid items.

Yes. There is a liberal LTV’s 97.75% rate and term: different criteria than conventional loan. Streamlines allowed without an appraisal.

The VA Loan is designed for veterans and service personnel. Eligibility for the VA loan is defined as Veterans who served on active duty and have a discharge other than dishonorable after a minimum of 90 days of service during wartime or a minimum of 181 continuous days during peacetime. There is a two-year requirement if the veteran enlisted and began service after September 7, 1980, or was an officer and began service after October 16, 1981. There is a six-year requirement for National guards and reservists with certain criteria and there are specific rules concerning the eligibility of surviving spouses.

For complete details on this program, please visit the US Department of Veteran Affairs. All veterans must qualify, for they are not automatically eligible for the program.

Have more questions? Visit our Frequently Asked Questions page for answers to more common questions about MyUSA Credit Union.

Opt-In to Text Alerts About Our Home Loans

Get alerts for mortgage specials so you never miss the moment to make your move. Text MyUSA to 513.420.5806

Message & data rates may apply. Message frequency varies. Consent is not required to use our services. View Terms & Privacy.

NMLS #442068 (Nationwide Multistate Licensing System and Registry) Consumer Access is a free service for consumers to confirm that the financial services company or professional with whom they wish to conduct business is authorized to conduct business in their state. You may access this service by visiting the NMLS Consumer Access website at: www.nmlsconsumeraccess.org.