5 Mistakes to Avoid When Buying a Home in Ohio 

By Brian Roberts – Mortgage Loan Officer 

Buying a home is one of the most exciting — and financially important — steps you’ll ever take. As a loan officer serving Ohio families, I’ve seen firsthand how the right guidance can make the process smooth, and how a few avoidable missteps can cost time, money, and peace of mind. 

Here are 5 Mistakes to Avoid When Buying a Home in Ohio: 

1. Skipping the Pre-Approval Step

Many buyers start touring homes before they know what they can afford. Without a pre-approval, you risk falling in love with a home outside your price range — or losing out to a more prepared buyer. 

Tip: Get pre-approved before you start shopping. It shows sellers you’re serious and helps narrow your search to homes you can actually afford. 

2. Making Big Purchases Before Closing

Opening a new credit card or financing a car before your mortgage closes can derail your loan. Lenders will re-check your credit and debt levels before funding the loan. 

Tip: Hold off on large purchases or new credit applications until after closing. 

3. Not Budgeting for Closing Costs

Many buyers focus on the down payment and forget about closing costs, which can range from 2% to 5% of the purchase price. 

Tip: I help my clients estimate total upfront costs early, so there are no surprises at the closing table. 

4. Overlooking First-Time Homebuyer Programs

Ohio offers great options like down payment assistance and reduced mortgage insurance — but many buyers don’t know they exist. 

Tip: Let’s talk about the state and local programs you may qualify for — they could save you thousands. 

5. Choosing the Wrong Loan Program

Not all loans are created equal. FHA, VA, USDA, and Conventional loans all have pros and cons depending on your situation. 

Tip: I take the time to compare options and explain what’s best for your credit, income, and goals. 

Want Personalized Help Buying in Ohio? 

Let’s talk! I’m here to make sure your mortgage process is clear, smart, and stress-free. 

Brian Roberts
Mortgage Loan Officer
📞 (937) 451-0297
📧 b.roberts@mortgageright.com
🔗 Centerville.mortgageright.com 

Let’s make your homeownership dream a reality — without the mistakes.