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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Ohio
  4. Cincinnati
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Cincinnati, OH

How much house can you afford in Cincinnati? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Cincinnati

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Union Home Mortgage - Mount Adams

Union Home Mortgage - Mount Adams focuses on providing a supportive and personal mortgage experience that helps ease the stress of home financing. The team offers a range of mortgage services with a responsive approach that customers appreciate for its speed and professionalism. Some clients note a strong sense of being treated like family throughout the process.

View Profile
(513) 592-3838
Closed Now
1111 St Gregory St 6th floor, Cincinnati, OH 45202
2

PrimeLending, A PlainsCapital Company - Cincinnati

Known for guiding first-time homebuyers through the loan process with clear explanations and steady support, PrimeLending, A PlainsCapital Company offers mortgage brokering services tailored to individual needs. Customers appreciate the team’s patience and communication, though the process can feel complex at times. Their connections with local title and insurance providers also help streamline… more...

Known for guiding first-time homebuyers through the loan process with clear explanations and steady support, PrimeLending, A PlainsCapital Company offers mortgage brokering services tailored to individual needs. Customers appreciate the team’s patience and communication, though the process can feel complex at times. Their connections with local title and insurance providers also help streamline closing.

Services & Prices
First-Time Homebuyer Loans Quoted per loan
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
Title Searches $100 - $200
View Profile
(513) 698-8001
Closed Now
8044 Montgomery Rd Ste 700 Room 711, Cincinnati, OH 45236
General Services
Home Loan Services
3

Union Home Mortgage - Cincinnati

Union Home Mortgage in Cincinnati offers mortgage services backed by over 25 years of experience, with a focus on clear communication and reliability. The team assists with home loans and refinancing, keeping clients and agents informed throughout the process. Some customers note occasional delays in weekend support and billing issues.

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(513) 985-3000
Closed Now
7631 Cheviot Rd #2a, Cincinnati, OH 45247
4

Vincent DeRisi Home Loans - Union Home Mortgage

Known for a customer-focused approach and flexible communication, Vincent DeRisi Home Loans at Union Home Mortgage helps borrowers navigate a variety of loan options, including conventional, FHA, VA, and USDA programs. Clients appreciate the team’s accessibility and support throughout the mortgage process, though some note the need for patience during paperwork submission.

Services & Prices
Mortgage Loan Application Quoted per loan
Loan Closing Assistance Quoted per loan
First-Time Home Buyer Assistance Quoted per loan
View Profile
(646) 261-4102
Closed Now
1111 St Gregory St, Cincinnati, OH 45202
General Services
Mortgage Services
5

Superior Mortgage Services, Inc

Known for competitive rates and a fast, straightforward loan process, Superior Mortgage Services offers help with home purchases, refinancing, and various loan programs. Clients appreciate the team’s clear communication and responsiveness, noting a smooth experience even when navigating complex mortgage details.

Services & Prices
Home Loan Quoted per loan
Mortgage Refinancing Quoted per loan
Home Appraisal Quoted per loan
View Profile
(513) 474-0899
Open 8:00 AM - 8:00 PM
2126 Evanor Ln, Cincinnati, OH 45244
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Zipfel Capital

With two decades of experience and a focus on protecting clients beyond just closing loans, Zipfel Capital offers residential and commercial mortgage solutions tailored to diverse needs. The team is known for clear communication and steady guidance, helping borrowers navigate complex financing smoothly, though some clients note the process can involve multiple steps.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate and Term Refinance Quoted per loan
View Profile
(513) 321-0111
Closed Now
2753 Observatory Ave, Cincinnati, OH 45208
General Services
Home Loans
7

Justin Allen - Union Home Mortgage

Known for personalized service and local expertise in Cincinnati, Justin Allen - Union Home Mortgage offers a full range of home financing options, including conventional, FHA, VA, and construction loans. Clients appreciate the clear communication, helpful resources for first-time buyers, and smooth, timely closings, though occasional challenges arise in complex transactions.

Services & Prices
Mortgage Pre-Approval Quoted per loan
View Profile
(614) 597-4629
Open 00:00 - 23:59
1111 St Gregory St 6th floor, Cincinnati, OH 45202
General Services
Mortgage Services
8

David Behymer - Union Home Mortgage

Known for clear communication and reliable availability, David Behymer - Union Home Mortgage helps clients navigate home loan processes with ease. The team offers mortgage brokering services and is appreciated for keeping customers informed and addressing concerns promptly. Some clients note the process can be lengthy, but the support remains consistent throughout.

Services & Prices
Mortgage Pre-Approval Quoted per loan
View Profile
(859) 308-9231
Open 8:00 AM - 8:00 PM
1111 St Gregory St, Cincinnati, OH 45202
General Services
Home Loan Services
9

All Home Mortgages, LLC

With over 45 years of combined experience, All Home Mortgages specializes in a wide range of home loan options including FHA, VA, USDA, and jumbo loans across several states. The team is known for clear communication and responsiveness, helping clients navigate complex situations with patience and detailed explanations.

Services & Prices
Home Buying Assistance Quoted per loan
Refinancing Quoted per loan
View Profile
(513) 470-9939
Closed Now
4240 Airport Rd Ste 101, Cincinnati, OH 45226
General Services
Mortgage Services
10

Ravi Patel - Union Home Mortgage

Known for clear communication and steady guidance, Ravi Patel - Union Home Mortgage helps clients navigate the loan process with confidence. The team offers mortgage brokerage services, explaining each step thoroughly and responding promptly to questions. Customers appreciate their reliability and the ease they bring to what can be a complex experience.

Services & Prices
Conventional Loans Quoted per loan
FHA Loans Quoted per loan
VA Loans Quoted per loan
Rate-and-Term Refinancing Quoted per loan
View Profile
(404) 556-1157
Open 00:00 - 23:59
1111 St Gregory St 6th floor, Cincinnati, OH 45202
General Services
Mortgage Services

Cincinnati Mortgage Statistics

Home-purchase lending in Hamilton County and home costs in Cincinnati, OH (latest HMDA and Census data)

Lenders made 9,385 home-purchase loans in Hamilton County in 2025 (average about $340,000) and denied 899 — 9% of decided applications, compared with 11% across Ohio, according to federal mortgage data (HMDA, CFPB). In Cincinnati, the median home is worth $230,900 and 66% of owners have a mortgage, paying a median $1,640 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
9,385▲ 4%8,991 in 2024
Denial rate
9%OH 11%
Median home value
$230,900OH $214,800
Monthly cost with a mortgage
$1,640median · OH $1,517
Refinance loans made (Hamilton County, 2025)
5,674 · 4,087 in 2024
Home-improvement loans made (2025)
2,094
Average home-purchase loan
$340,000 (OH $282,000)
Owners with a mortgage
66% · 25% of them spend 30%+ of income on housing
Median household income
$52,909 (OH $71,389)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Hamilton County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Cincinnati Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Union Home Mortgage - Mount Adams 4.9 597 — (513) 592-3838 Visit
2 PrimeLending, A PlainsCapital Company - Cincinnati 4.9 216 $100 (513) 698-8001 Visit
3 Union Home Mortgage - Cincinnati 4.8 194 — (513) 985-3000 Visit
4 Vincent DeRisi Home Loans - Union Home Mortgage 5.0 171 Quoted per loan (646) 261-4102 Visit
5 Superior Mortgage Services, Inc 5.0 123 Quoted per loan (513) 474-0899 Visit
6 Zipfel Capital 4.9 108 Quoted per loan (513) 321-0111 Visit
7 Justin Allen - Union Home Mortgage 5.0 98 Quoted per loan (614) 597-4629 Visit
8 David Behymer - Union Home Mortgage 5.0 82 Quoted per loan (859) 308-9231 Visit
9 All Home Mortgages, LLC 4.9 57 Quoted per loan (513) 470-9939 Visit
10 Ravi Patel - Union Home Mortgage 5.0 32 Quoted per loan (404) 556-1157 —

How this Cincinnati mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Ohio rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 1.28% of the home's value a year, the Ohio average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

9 questions
How does the Cincinnati mortgage affordability calculator work?
It estimates the highest home price you can afford based on income, debts, down payment, interest rate, and first-time buyer status.
What is the debt-to-income ratio for mortgages in Ohio?
Lenders often cap housing costs at 31% and total debt at 43% of gross monthly income. Some loans allow more with strong credit.
What is the minimum down payment for a home in Cincinnati?
For first-time buyers, it's 3% on conventional loans and 3.5% on FHA loans. VA and USDA loans may allow 0% down for eligible buyers.
How does PMI affect my mortgage in Ohio?
If your down payment is under 20% on a conventional loan, PMI is added, about 0.6% of the loan yearly. It can be removed once the balance is below 80%.
How do interest rates impact how much house I can afford?
Higher rates increase monthly payments, reducing the home price you can afford. Rates change weekly; the calculator starts at 7.40%.
How do debts affect my mortgage affordability in Cincinnati?
Monthly debt payments reduce the amount you can borrow. Lenders consider total debt payments, including the new mortgage, up to 43% of income.
What are property taxes like in Ohio?
Ohio's average property tax rate is about 1.28% of the home's value annually, based on 2024 data for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, credit, and down payment, giving a more accurate borrowing limit than pre-qualification, which is an estimate.
What role does a mortgage broker play in Cincinnati?
A mortgage broker helps find loan options and rates from various lenders, guiding you through the mortgage process.

General information, not financial advice — consult a qualified professional.