Finance Your Home with a Trusted Lender

At Cutler Real Estate, we’ve built strong relationships with trusted lenders who are experts in home financing. They’re ready to help you every step of the way as you secure funding for your new home. Our focus is on providing fast, friendly, and personalized service to ensure the home-buying process feels smooth and stress-free.

Our trusted lenders are trained and certified in loan origination and specialize in helping buyers finance homes throughout Greater Columbus and Central Ohio. Their goal is to connect you with the right loan program, offering competitive rates and affordable down payment options that fit your needs.

Mortgage & Financing Options *

Conventional Loans

• 30‐YEAR, FIXED‐RATE
  The traditional 30‐year fixed‐rate mortgage has an unchanging interest rate and monthly payments that never change. This is typically a more conservative lending option typically requiring 20% down payment. However, many lenders offer 30-year fixed conventional loans with less than 20% down payment.

• 15‐YEAR, FIXED‐RATE
  A 15‐year loan has an unchanging interest rate and monthly payments that never change. The interest rate is typically lower than a 30-year term loan but the payment will be higher since it is paid over a shorter period of time. Many borrowers opt for a 30‐year fixed rate loan for the lower monthly payment and voluntarily make larger payments or an extra payment or two per year in order to pay off their loan early.

• ADJUSTABLE RATE (3/1 ARM, 5/1 ARM, 7/1 ARM)
  These loans have an adjustable interest rate (Adjustable Rate Mortgage) which can offer a lower monthly payment but have a much shorter term. These can be a good choice for people who expect to move (or refinance) before or shortly after the adjustment occurs.

FHA Loans

The Federal Housing Administration (FHA), makes it easier to qualify for a loan with more favorable terms by insuring your mortgage. FHA‐insured mortgages offer many benefits and protection to the borrower. FHA loans require as little as 3.5% down payment and allow for credit scores as low as 580. FHA loans tend to have lower interest rates than conventional loans. An FHA‐insured mortgage can be used to purchase or refinance a new or existing one‐to‐four family house, a condominium unit, or even a manufactured housing unit.

Construction Loans

Construction loans help you finance building a house from the ground up. Unlike traditional mortgages, they cover costs like land, labor, materials, and permits during construction. These loans can be can be structured in various ways to suit your situation.

VA Loans

Veteran Association (VA) Loans are designed for eligible American veterans, active‐duty personnel, and widows of veterans. VA home loans are available for one‐to‐four family properties, Planned Unit Developments (PUDs), condominiums and manufactured homes. A VA loan is a loan guaranteed by the Veterans Association, which allows the borrower to receive 100% financing, meaning that there is no required down payment if the loan amount is within county loan limits.

Renovation Loans

Renovation loans allow for the cost of repairs and improvements to be included into their home financing. This loan option is ideal when buying a property that needs repair or would benefit from remodeling. It is also ideal for homeowners who need funds to rehabilitate, remodel, or improve their current property. Fannie Mae HomeStyle® Renovation Loans allow more of the loan amount to go into repairs or improvements and more types of improvements are eligible.

* Each loan is subject to underwriter final approval. All information, loan programs, interest rates, terms and conditions are subject to change without notice.

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Disclaimer: The mortgage information provided herein has been prepared by a third-party company and has been distributed for educational purposes only.
This information does not represent the opinions of the mortgage companies. The mortgage companies are not affiliated with LifePoint Real Estate Group.