mortgage rates

First-Time Homebuyer &
Target Area Loan

7.00% w/out down payment assistance

Ohio Heroes

6.75% w/out down payment assistance

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Lender Resources

Welcome to OHFA's resource center for lenders. We are pleased to partner with a network of Ohio lenders to help make homeownership affordable for qualified homebuyers with low or moderate incomes. OHFA finances low-cost mortgages by selling tax-exempt mortgage revenue bonds to investors, and we count on our lending partners to make our mortgage programs available to Ohioans throughout the state.

OHFA's Loan Programs

OHFA's affordable loan programs include:

First-Time Homebuyer Program for low- to moderate-income Ohioans
Target Area Loan Program for buyers purchasing homes in HUD's designated target areas
Ohio Heroes Program for first-time homebuyers who work in critical professions

These programs offer qualified buyers access to:

Low, competitive mortgage rates on 30-year, fixed-rate loans
Down payment and closing cost assistance in the form of a second mortgage or grant
1% origination fee
Generous purchase price limits

By offering these programs to your buyers, you can help more Ohioans open the door to a home of their own.

Become an OHFA Lending Partner

Interested in becoming a participating lender for OHFA’s homeownership programs? Learn how you can take advantage of our programs and resources to help more Ohioans get into homes of their own. Become a participating lender.

Already a Lender?

OHFA offers a number of tools to help you use our programs more efficiently.

Lender Online

Participating lenders can use our password-protected online system to submit loan reservations, check loan status, download pre-filled program forms, and view updates and special program announcements. Visit Lender Online to log on and get started now.

Informational and Advertising Resources

Whether you are a veteran lender or a newcomer to our programs, use the links to the left or download the files below for more information about our programs and loan requirements. Participating lenders can also download and customize a variety of program fact sheets and brochures to help market OHFA’s loan programs to your eligible buyers. For more information about advertising OHFA’s programs, please download our advertising guidelines below.

Downloading Files

The following files are in Adobe PDF file format and must be viewed with Adobe Reader. If you do not have Adobe Reader, a free version can be downloaded from Adobe's web site.

Advertising Guidelines

It’s important for lenders and OHFA to work together to make sure interested buyers get accurate information about our loan programs. Please review these guidelines to ensure your communications efforts are as effective as possible.

OHFA Advertising Guidelines

Program Requirement Information

Applicants for OHFA’s mortgage loans must meet federal income limits and properties must meet sales price limits to be eligible.

Target Areas

Ohio Target Areas

Interactive Fact Sheets and Brochures

Type your name, company, and contact information in the designated space, then print these materials and use them to provide your clients with important information about OHFA’s loan programs.

For additional downloads, visit our download center.