Find the right loan—with guidance you can trust.
Buying a home is a big decision. Financing shouldn’t feel like a mystery.
Coldwell Banker Heritage works with trusted mortgage professionals who can help you explore options, compare scenarios, and choose a loan that fits your goals—whether you’re buying your first home, moving up, downsizing, or refinancing.
Talk with a lending partner to:
- Understand your budget and monthly payment range
- Get pre-approved (so you can shop with confidence)
- Compare loan programs and down payment options
- Learn what impacts your rate and closing costs
- Stay on track from offer → underwriting → closing
Why work with our lending partners?
PrimeLending
PrimeLending provides home financing solutions supported by local loan professionals and digital tools designed to help buyers move from pre-approval to closing with clarity and efficiency.
Good fit if you want:
- A lender with local market knowledge
- Access to a broad range of mortgage products
- A streamlined, technology-supported loan process
CrossCountry Mortgage
CrossCountry Mortgage offers a wide range of home financing solutions and a team approach designed to help buyers move from pre-approval to closing with confidence.
Good fit if you want:
- Flexible loan program options
- A proactive lending team
- Clear next steps and frequent updates
Coldwell Banker Heritage is not a mortgage lender. Mortgage products are offered through our lending partners. All loans are subject to credit approval and program guidelines. Rates, terms, and availability may change.
Helpful resources for buyers
Want to learn more before you talk to a lender?
- Buyer Resources
- Home Buying Guide
- Down Payment & Assistance Programs
- Find an Agent
FAQs
A mortgage loan is financing used to purchase or refinance a home or real estate property. The loan is repaid over time, typically in monthly installments that include principal and interest.
Pre-qualification is an informal estimate based on self-reported information, while pre-approval involves a lender reviewing financial documents to provide a more accurate picture of what you may qualify for.
Affordability depends on factors such as income, debt, credit history, down payment, and current interest rates. A lender can help evaluate your situation and estimate a comfortable monthly payment range.
Common loan types include conventional loans, FHA loans, VA loans, USDA loans, and jumbo loans. Each has different eligibility requirements, down payment options, and terms.
Down payment requirements vary by loan type and borrower profile. Some programs allow for lower down payments, while others may require more upfront.
Interest rates are influenced by market conditions, loan type, credit score, down payment amount, and overall financial profile at the time of application.
Closing costs may include lender fees, appraisal fees, title services, taxes, and insurance. Your lender will provide a detailed estimate before closing.
The timeline can vary, but many purchases close within 30–45 days once under contract. Timing depends on documentation, underwriting, appraisal, and other factors.
Yes. Many loan programs are designed specifically for first-time buyers and may offer flexible qualification requirements or down payment options.
No. Buyers are free to choose the lender that best fits their needs. Working with a trusted lending partner can help make the process clearer and more efficient.
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4060 Executive Dr, Dayton, Ohio 45430
Phone: (937) 429-4500
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State of Ohio
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