People LOVE First Ohio!

Read our reviews from across the web or leave your own review now.

Rachel Mazur

When we finally found the house that we wanted, we had a very narrow window to close on it. We called First Ohio and they were able to get us from application to close in less than two weeks.

Amy Corna

It was important for us to know that we were getting the best closing costs and the best rates there were. First Ohio was the company for us. They came back clearly and quickly about what they could do for us.

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“Stress free Refi!

The process was very quick yet everything was explained to us. The closing was on the day we were told it would be, and we are very happy with our new rate.”

Marvin, Home Owner
“We always look forward to working with First Ohio Home Finance, Inc. Clients that we refer to First Ohio feel like that they have received quality information and timely service. First Ohio Home Finance understands what it means to meet the contract deadlines outlined and takes the initiative to educate our clients about the process and what to expect.”
Rick Rano, Realtor
“First Ohio Home Finance has helped me with the purchase of two homes and a refinance in 2013 to the lowest rate I have seen on a 15 year mortgage. I couldn’t be happier with our experience from the initial meeting through closing. Kemp, Tony and John have been great resources I would recommend to anyone.”
Jason and Melissa Buehner
“I just wanted to drop you a quick note to thank you for all of your assistance in getting my loan completed.

My particular situation had some obstacles that you handled with both professionalism and care. You did not judge and helped walk me through the process making it less stressful and an overall pleasant experience. When other banking institutions were dismissing my inquiries, your willingness to step up and take the extra time needed to help get me approved is truly appreciated.

I will not hesitate to forward your information to anyone needing assistance with a home loan and you will be my first call for any future home loan needs I might have.

You were a pleasure to work with and I am truly grateful. ”

Debbra Warden
“The First Ohio Finance team has always provided excellent service to my clients, family and friends since I met Tony and John in 2002. I am always happy with the level of communication throughout the process. Several clients have been repeat customers (myself included) through new home purchases or refinancing. I feel confident referring anyone to First Ohio shopping for a loan, home purchase, mortgage refinance or access to equity in a home.”
Jason Buehner, Certified Financial Planner
“Dear First Ohio Operations Team,

I just want to say Thank You! I have now had the pleasure of dealing with other lenders on this new closing disclosure, and your office, by far, has been the best to work with and the most knowledgeable on how it works. It sure does make the whole process much easier!! I wish I could do all my closings with you. Thanks for making the difficult adjustment to the new processes so smooth.”

Jennifer Steffanni, Title Agent
“First Ohio Home Finance has consistently done a great job for me and many of my clients on home purchases and refinancing. Without hesitation, they are my first recommendation for mortgage loan services.”
Kyle Stroh, Attorney
“We had less then perfect credit. And First Ohio was able to make the loan work, and get it approved, after other companies either failed or never tried. First Ohio is an awesome company to work with.”
David and Carla Cotton
“I used Steve for our home mortgage needed to purchase a new property. He was available essentially 24/7. Responded to e-mails, texts, and phone calls very quickly. This isn’t my first mortgage or real estate transaction so I was very familiar with the process. Loan actually closed early with no hidden fees or surprises. I will definitely contact Steve in the future if I need his services. ”
Dave Hendricks
“The staff of Sterling Land Title Agency, Inc. and I want to Thank You for the closing with David and Sarah Hendricks. It was a pleasure working with you and your staff which helped make it a smooth transaction. We hope that we can do many more closings together in the future.

Thank you so much.”

Norm, Sterling Land Title Agency
“Tammy Welser did an outstanding job helping my husband and I secure our home loan! We are now homeowners! We are so happy in our beautiful home. We couldn’t have chosen a more caring, compassionate, hardworking and dedicated person to work throughout the entire process. She worked so very hard for us; keeping us updated every step of the way. She was very professional and extremely knowledgeable. Tammy is the BEST!!!! Sincerely, Jennifer”
Jennifer, Home Purchaser
“PERFECT! I seriously could not ask for a better process. This was amazing and I will tell everybody.”
Joanna, Home Purchaser
“First Ohio Home Finance Inc. continually assists our firm Andrew J. Swope & Associates and our employees on both a personal and professional level. Tony, John and Buck routinely advise us on current rates and refinancing options to enable us to better serve our clients. Over the past 20 years of doing business with First Ohio Home Finance, we have recommended them to countless numbers of our clients, as well as utilizing their services ourselves when refinancing a current mortgage and or purchasing a new home to ensure getting the best possible interest rate and term available.

We have found everyone at First Ohio Home Finance to be honest, professional and friendly real-estate partner. We are happy to recommend First Ohio Home Finance to our clients and friends for all their residential financing needs.”

Andrew J. Swope, CPA
“I just want to take a moment to truly thank you for helping us with our home loan. My husband and I have come so far in the past 5 years and owning a home together was always a goal and a dream. You made the process so convenient by being able to meet after hours and also by having someone on standby to re-print and rush correct paperwork at signing!! You were always available for a text or phone call through stressful times and you were just an overall joy to work with. Thank you so much for helping to make our family whole in our own place. ”
Catherine Lueckel
“I have used First Ohio Home Finance since 1998 for all my home purchases and refinances. Tony, John and their entire staff conduct themselves with the utmost integrity, and always have the client’s needs in mind when presenting finance options. We were kept informed every step of the way, and always made a final decision knowing First Ohio Home Finance had our best interests in mind. I would not hesitate to use them again, and would gladly recommend them to anyone looking for a smooth, easy path to purchasing or refinancing a home.”
Troy Farrell
“I thought that my refinancing situation was hopeless. Mary Jane Heckman and First Ohio Finance changed that for me in 2015. I was once told years ago by a Senior Mortgage broker, that I had one of the worst mortgage situations that he had seen in his 30 years of working in the industry. Well, I can say those days are done and now I am refinanced and sitting with a 3.75 interest rate. I am saving around $1,300 a month. Yes, $1,300 a month. I told you it was a bad situation. Mary Jane helped me navigate through this process. She showed me step by step all the info and documents I needed to bring to the table. She then kept working with lenders until she got what she promised me. A new mortgage paymemt! She was extremely professional and knowledgeable about the current housing market and rate opportunities. Very thankful that I gave First Ohio Finance a chance to see if they could help me. Thank you so much Mary Jane!!”
“My experience with First Ohio Home Finance could not have been better! My wife and I were looking to refinance our mortgage, and were a little reluctant after hearing how difficult it can be. But Tony and the staff at First Ohio worked along with us every step of the way to make sure the process was smooth and easy. I would definitely recommend First Ohio Home Finance to anyone looking to refinance their home.”
Tom and Joanna Rubadue
“Hello Ashley & Steve,

Sayed and I just wanted to thank you both once again for working with us to
get our first home! It was exciting, tiring, and at times nerve wracking as
a first time buyer, but thanks for helping us throughout it all. We both
greatly appreciate all your help! We both could not be happier with our
home! Thanks again.


“My experience with First Ohio Home Finance was a very good one. I was able to purchase my first home with their help. When talking about my home buying experience with friends, I feel that my loan officer, Tammy Welser, was one of the best in the business. I would recommend them to anyone.”
Matt, Home Purchaser
“You have been great through this whole process. I know there were a few snags along the way, but you explained everything to me and made me feel comfortable. I am very glad that I elected to have you and your company for my mortgage for this home.

Thank you for all of your help!”

John, Home Purchaser
“First Ohio Home has the professionals to guide you through every step of the loan process; whether your first or one-hundredth purchasing experience. Our loan originator, Stacey Kapper, was so attentive to our needs, we felt like VIP customers! Choose First Ohio Home! You will be so glad you did!”
Angela, Home Purchaser
“Thank you for making my refinance a painless process. I have never had such an easy and simple time of it.
Again, thanks so much for your help.”
Shannon Barr
“I just want to thank you for all you did in helping us get a home loan. First Ohio Home Finance did an amazing job from start to finish. Everyone was so patient, kind and always there when needed. This has been a wonderful experience and I will recommend you to anybody I know who is ever looking for a loan.

There just really aren’t any words to tell you how grateful Jeff and I are for First Ohio.”

Jeff and Cami Bowman

I wanted to thank you so much for how awesome you have been throughout this entire process. You have been so thorough and responsive, which has made this a really seamless process for everyone involved. I will recommend you 10 times over to friends that are buying a home. Do you also work on refinances?


“The closing went smoothly. Thank you for doing such a great job. You definitely made things easy on the lending end.”
Andrew Buckley – Star One Realtors
“From beginning to end your team has been absolutely wonderful … Rich was great to work with on the CD. This is the first CD I have done where we got it knocked out in no time at all. I wish more lenders were as helpful as the First Ohio Home Finance team has been! High five, great teamwork!”
Paula Routt – Title First Agency, Inc.
“I recently closed my home loan on King Avenue in Marion, Ohio. I am beyond impressed with the quality of work and service demonstrated by Shelley at First Ohio Home Finance. She made certain the process was thorough, pleasant, and smooth. All of this in light of a very difficult deadline of November 30, and with my wife and I being out of the country for a large part of the process. Like a true professional Shelley made everything work. This is not my first closing experience, but it is most definitely the best home buying I have ever had, much distant from any other experience in regard to quality and professional competence. I will most definitely recommend Shelley to any other homebuyers I know, and continue to consider Shelley a reliable resource for any financial or debt-related questions.”
Trevor Littleton
“I just wanted to thank you for helping us in our home buying process. You made this incredible easy for us and it could not have gone any smoother. We closed last night and are very much looking forward to starting our new lives together in our new home with the twins! Thank you again for everything and we will definitely be back in the future!”
Ambre Hurak
“Thank you, you have been great to work with keeping me informed throughout the loan process. I do hope to work with you again in the near future!”
Jennifer Martinez, Realtor
“Had a great experience with Steve Beskid and would recommend him along with First Ohio Home Finance to all my friends and family.”
Steve, Home Buyer
“I have had the pleasure of working with First Ohio Home Finance on a couple of occasions over the past few years. I can’t say enough about their professionalism and attention to detail. I have since referred friends and family members to them for assistance with their home financing and they have all had the same experience. Any time I have any kind of mortgage needs, purchase or refinance, First Ohio will always be my first call.”
Sean Music
“My husband and I purchased a home in October, 2015 with the help of Kemp Taylor. I cannot thank him and your company enough for how easy and quickly this was completed. We could not have been happier. Kemp kept us updated on all developments and needs for the completion of the loan. If we ever purchase another home, we will definitely call Mr. Taylor again for this mortgage process. Mr. Taylor is a great asset for your company and we thank you.”
Jacolyn Bailey, Home Purchaser
“Working with Matt Berardi and First Ohio was a great experience. My loan closed fast and early! Matt kept me informed through the whole process. The fees and closing cost were low and reasonable. Working in the financial industry this was exactly what I was looking for with a mortgage company. I would recommended them to friends and family or anyone looking for a mortgage! Great group of people to work with.”
Janet, Home Purchaser
“I am writing this letter to express how pleased my wife and I are with Shelley’s service, professionalism, and delivery. Shelley contacted me via text message upon completing a Lending Tree online questionnaire. After our initial phone conversation, I knew I wanted to work with her. She was friendly, very knowledgeable about the entire mortgage loan process, and answered all of my questions. Therefore, we completed the pre-approval portion.

However, later on that day, I received a referral from my co-worker who had just refinanced through a different company. Therefore, I decided to give the new lender a call to learn about their products and services. The new lender was advertising what seemed to be a better product so we decided to switch to this lender. Needless to say, their product did not work out as advertised. I immediately called Shelley and explained our current situation, and asked if she would be interested in working with us again. She said “of course”. There were no hard feelings on her part and she mentioned that she would have explored other options as well. By this time, there were only 13 calendar days until the end of August. By day number 10, Shelley and her team were ready to close. We were pleasantly amazed!

We highly recommend Shelley and First Ohio Home to anyone with home mortgage needs. It has been a wonderful experience!”

Edward and Anessa Taylor
“Thank you for your guidance, completion, and quick turnaround with our refinance. It is always a pleasure working with you and we appreciate that you have our best interests in mind.”
Emily Larouere
“We have refinanced a number of times over the life of our loan. This was the first time we felt as though we were treated as educated, respected consumers. Shelley sent us an introductory email after we had made some general inquiries online. The email was very professional, and more importantly, not a “hard sell”. She invited us to contact when we were ready, which we eventually did. Shelley explained each step of the process and never pressured us to make a decision quickly as many of those who contacted us did. She was able to offer us a great refinance rate with better than average fees. She made sure we closed quickly and conveniently. More importantly, we felt comfortable working with Shelley every step of the way and would not hesitate to use her in the future for a refinance or new mortgage.”
“We were in the process of looking at existing homes and even considering building a custom home. We were already pre-approved with a local lender, but just weren’t happy with the options he was recommending to us (adjustable rate mortgage, etc.). I went to Lending Tree and submitted a request for proposals. At first I regretted this move because our phone and emails were flooded within hours. However, Kemp’s email caught my attention … it wasn’t pushy at all – he was very genuine and he even gave me info on how to “opt out” of the Lending Tree responses. From the moment I had my first phone conversation with Kemp, I knew he was exactly what we needed to find the most suitable option. Kemp has been so knowledgeable and professional throughout the entire process. He made us feel like we were his one and only priority, and he always responded to calls and emails promptly (even after hours). Even at our closing, my realtor commented to me how Kemp had a great way of being very tactful in his emails.

Hands down, this has been the BEST home buying experience for us (this is our 3rd home). I will not hesitate to call Kemp and First Ohio in the future, and have already recommended him to friends and family. We certainly need more Kemps on this planet and I hope that you know how much of an asset he is to your firm.”

Jenna Bellamy
“Just wanted to thank you guys for the service provided during the financing of my home. Kemp Taylor was very professional, very polite, and most importantly always available to answer my calls and emails. I chose you guys based on reviews I read online and they were spot on. It has prompted me to write a review of my own and if there is a particular site I could do that on that would help let me know. I will recommend your company to anyone looking to buy a home. Thank Kemp for me!”
Sean Lawwell, Home Owner
“Thank you so much for all of your help along the way. Working in mortgage, I see mortgage horror stories too often. Jack and I couldn’t have asked for a more seamless process for our first home purchase. I will definitely recommend your business to anyone I know.”
Sophie, Home Owner

Last week a mutual client of ours, S. Vajinepalli bought his first home and said the process went great. I wanted to thank you so much for helping him out, it made us look good, everyone really look good and he seemed very happy.

If there is ever something I can do for your clients, please let me know. “

Matt M., Insurance Agent