Questions?

Call us at 800-736-8485

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut ac dui eu nisi aliquet vehicula et id eros. Suspendisse at sapien ligula.

Enter text here

Enter text here

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut ac dui eu nisi aliquet vehicula et id eros. Suspendisse at sapien ligula.

Enter text here

Enter text here

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut ac dui eu nisi aliquet vehicula et id eros. Suspendisse at sapien ligula.

We offer the assistance you need to help in all of your mortgage endeavors. whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable.

Reverse Mortgages

Reverse mortgage loans are a way for older homeowners to convert their home's value into tax-free cash, without having to sell or move, HUD allows Homeowners who are 62 or older to borrow against the equity of their homes. 

Contact Us

USDA Loans

A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metro area by USDA

Learn More

Home Purchase

FREE Home Mortgage Pre-Qualification! Do you know how much home you can afford? Take the first step to getting a pre-qualified in just 60 or less!

Get a Quote

Home refinance

Are you paying too much for your mortgage? Answer these questions below to calculate a possible lower mortgage rate & payment in just 60 seconds or less!

Get a Quote

Contact Us

Western Ohio Mortgage Corporation is ready to take your call!
733 Fair Rd.
Sidney, OH 45365
Trose@westernohiomortgage.com
800-736-8485
9601
How to Buy a HUD Home: A Complete Guide

How to Buy a HUD Home: A Complete Guide

Jun 05, 2025

Learn how to buy a HUD home and save thousands. Step-by-step guide covering what HUD homes are, the buying process, and key advantages for homebuyers.

Should You Hold Out for Lower Interest Rates Before Buying a House?

Should You Hold Out for Lower Interest Rates Before Buying a House?

Jun 03, 2025

Thinking about buying a home? Here's what you need to know about mortgage rates, timing your purchase, and planning for your future.

More Borrowers Are Putting 20% Down - Should You?

More Borrowers Are Putting 20% Down - Should You?

May 29, 2025

Learn if a 20% down payment is necessary when buying a home, and explore your other options. Clear, practical advice for first-time buyers.

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating
5.0
292 reviews
Write a Review
Matthew Martin
Very great group of people would recommend to anyone!!!
Very great group of people would recommend to anyone!!!

Matthew Martin

6 days ago

Google G Posted on Google
Victoria Shaw
James (Jim Luana) did a fantastic job helping us buy our first home! He answered all of our little questions and had so much patience with us. I would recommend this company to anyone who is looking to buy a home!
James (Jim Luana) did a fantastic job helping us buy our first home! He answered all of our little questions and had so much patience with us. I would recommend this company to anyone who is looking to buy a home!

Victoria Shaw

1 week ago

Google G Posted on Google
James
He is great and will let you understand everything. Answer calls whenever you need him 👍🏾
He is great and will let you understand everything. Answer calls whenever you need him 👍🏾

James

3 weeks ago

Google G Posted on Google
Vanessa Petty
Absolutely terrific experience for a very inexperienced homebuyer!!!
Absolutely terrific experience for a very inexperienced homebuyer!!!

Vanessa Petty

4 weeks ago

Google G Posted on Google
Carol Contos
Jim was always happy to answer questions, very friendly, and explained things clearly so we could understand every step of the process. We would definitely recommend him!
Jim was always happy to answer questions, very friendly, and explained things clearly so we could understand every step of the process. We would definitely recommend him!

Carol Contos

1 month ago

Google G Posted on Google
dustin kohler
shoutout to Jim Luana for doing an outstanding job. He made the entire process smooth, straightforward, and stress-free. I really appreciated their professionalism, clear communication, and willingness to go the extra mile. Highly recommend!
shoutout to Jim Luana for doing an outstanding job. He made the entire process smooth, straightforward, and stress-free. I really appreciated their professionalism, clear communication, and willingness to go the extra mile. Highly recommend!

dustin kohler

1 month ago

Google G Posted on Google
Cale Puckett
Had a great experience both times I have worked with Western Ohio. Extremely helpful and great communication. Highly recommend.
Had a great experience both times I have worked with Western Ohio. Extremely helpful and great communication. Highly recommend.

Cale Puckett

1 month ago

Google G Posted on Google
Kody Williamson
Adam has a pretty good memory in his dealings with people. It's an appreciated thing and more personable. Definitely makes this company better than others that are more "corporate" minded
Adam has a pretty good memory in his dealings with people. It's an appreciated thing and more personable. Definitely makes this company better than others that are more "corporate" minded

Kody Williamson

1 month ago

Google G Posted on Google
Lee Schilling
The staff were friendly and answered all of my questions quickly and with helpful information.
The staff were friendly and answered all of my questions quickly and with helpful information.

Lee Schilling

1 month ago

Google G Posted on Google
Jason Taylor
Exceeded expectations by answering questions quickly and helping to efficiently get closing finalized sooner than expected. Highly recommend them for all your lending needs!
Exceeded expectations by answering questions quickly and helping to efficiently get closing finalized sooner than expected. Highly recommend them for all your lending needs!

Jason Taylor

1 month ago

Google G Posted on Google
Carol Contos
Jim was always happy to answer questions, very friendly, and explained things clearly so we could understand every step of the process.
Jim was always happy to answer questions, very friendly, and explained things clearly so we could understand every step of the process.

Carol Contos

1 month ago

Google G Posted on Google
Bobcat Multi Works
We really appreciate the opportunity to work with this amazing team
We really appreciate the opportunity to work with this amazing team

Bobcat Multi Works

3 months ago

Google G Posted on Google
Amanda Thompson
Smooth process. Adam, Kylie and Kayla are great! Willing to help in anyway. Thanks!!! Will recommend to anyone looking at buying or refinancing a home.
Smooth process. Adam, Kylie and Kayla are great! Willing to help in anyway. Thanks!!! Will recommend to anyone looking at buying or refinancing a home.

Amanda Thompson

4 months ago

Google G Posted on Google
Travis Hensley
Adam and his team were so helpful through the process of purchasing my first home. They made the process super simple and stress free, highly recommend.
Adam and his team were so helpful through the process of purchasing my first home. They made the process super simple and stress free, highly recommend.

Travis Hensley

5 months ago

Google G Posted on Google
Tiffany B
Michael plante was the best he helped me with everything I needed im a first time home owner and my experience with Michael was absolutely wonderful he is very knowledgeable and patient and I learned alot working with Michael he took me through everythin ...
Michael plante was the best he helped me with everything I needed im a first time home owner and my experience with Michael was absolutely wonderful he is very knowledgeable and patient and I learned alot working with Michael he took me through everything step by step guided me through any questions i had he answered them.He really looks out for your best interest. I recommend western ohio mortgage corp and Michael !!! They are the best.
Read more Hide

Tiffany B

6 months ago

Google G Posted on Google
Justine Blankenship
The process of starting the build on our forever home has been easy thanks to Adam and the team he has. Highly recommend Ohio western mortgage!
The process of starting the build on our forever home has been easy thanks to Adam and the team he has. Highly recommend Ohio western mortgage!

Justine Blankenship

6 months ago

Google G Posted on Google
Joycelyn Apraku
Michael Plante is very acknowledgeable he always kept me informed, I would recommend WOMC to my friends and family
Michael Plante is very acknowledgeable he always kept me informed, I would recommend WOMC to my friends and family

Joycelyn Apraku

6 months ago

Google G Posted on Google
Noah S
Jim did a terrific job in securing our mortgage and was able to navigate easily and effectively through some challenges we faced with some minor inspection details that new buyers sometimes face. We had clear and precise communication at all times and he ...
Jim did a terrific job in securing our mortgage and was able to navigate easily and effectively through some challenges we faced with some minor inspection details that new buyers sometimes face. We had clear and precise communication at all times and he was always available to talk when we needed something. It was an absolute pleasure to work with Jim and we’re so glad we chose him!
Read more Hide

Noah S

7 months ago

Google G Posted on Google
kimberly winget
James was amazing to work with. James has an open book policy so nothing is hidden no surprises. We were informed the entire time and very open communication. He was always quick to respond and due to his quick response times and how time efficient he is ...
James was amazing to work with. James has an open book policy so nothing is hidden no surprises. We were informed the entire time and very open communication. He was always quick to respond and due to his quick response times and how time efficient he is we even close early. We won't be moving anytime soon but I will always suggest him for anyone looking for houses. James did a great job and made a very difficult process seem easy and a breeze to do. Thank you James you were awesome we love our house.
Read more Hide

kimberly winget

7 months ago

Google G Posted on Google
Krat Scorpionman
I owe it all to this team. They were amazing to work with. I don't know how to fill this out any better. They've done something so incredible for us.
I owe it all to this team. They were amazing to work with. I don't know how to fill this out any better. They've done something so incredible for us.

Krat Scorpionman

7 months ago

Google G Posted on Google
Bret Boll
Adam was very helpful in assisting us with all the different ways to make our end loan work and make our dream home become a reality! From buying our land, bridge loans, the construction loan, and the end loan, there was so much that went into the plannin ...
Adam was very helpful in assisting us with all the different ways to make our end loan work and make our dream home become a reality! From buying our land, bridge loans, the construction loan, and the end loan, there was so much that went into the planning and getting everything to financially work out. Adam was awesome in figuring all of that out for us! I don't think we would have had as much success as we did if we went through another company/person to do this loan for us.
Read more Hide

Bret Boll

7 months ago

Google G Posted on Google
Tiffany Newman
Everyone was very friendly and helpful. Whenever I had a question or concern, I received a response very quickly. His team helped make a very stressful situation less stressful. I can't express how thankful I am for that.
Everyone was very friendly and helpful. Whenever I had a question or concern, I received a response very quickly. His team helped make a very stressful situation less stressful. I can't express how thankful I am for that.

Tiffany Newman

7 months ago

Google G Posted on Google
B W
Very knowledgeable. Highly recommend!
Very knowledgeable. Highly recommend!

B W

8 months ago

Google G Posted on Google
Dandelion Moon
Thanks Mike, for helping me get into my dream home! 🌸🏠🌸
Thanks Mike, for helping me get into my dream home! 🌸🏠🌸

Dandelion Moon

8 months ago

Google G Posted on Google
Joelene Blankenship
The service we received from WOMAC was top notch. Any questions we had, which was many, Adam was quick to respond and very thorough in explaining. The entire staff was extremely friendly.
The service we received from WOMAC was top notch. Any questions we had, which was many, Adam was quick to respond and very thorough in explaining. The entire staff was extremely friendly.

Joelene Blankenship

8 months ago

Google G Posted on Google
Logan Bodenmiller
Very easy to work with. Very good communication throughout the whole process.
Very easy to work with. Very good communication throughout the whole process.

Logan Bodenmiller

8 months ago

Google G Posted on Google
Scott Freeman
Great communication, excellent service and a pleasant experience.
Great communication, excellent service and a pleasant experience.

Scott Freeman

8 months ago

Google G Posted on Google
Isaiah Freisthler
Communication is great, very friendly and welcoming environment. Loved working with Adam and his crew to obtain my first home. 10/10
Communication is great, very friendly and welcoming environment. Loved working with Adam and his crew to obtain my first home. 10/10

Isaiah Freisthler

9 months ago

Google G Posted on Google
William Hammer
They are best in the business, if you want to enjoy becoming a homeowner they are the ones to get it done, they really care and make you feel at ease throughout process.
They are best in the business, if you want to enjoy becoming a homeowner they are the ones to get it done, they really care and make you feel at ease throughout process.

William Hammer

9 months ago

Google G Posted on Google
Amber Atkison
I was able to get the loan that by itself is great
I was able to get the loan that by itself is great

Amber Atkison

9 months ago

Google G Posted on Google
Andre Willis Sr.
Michael, started well & finished better. We attempted purchases of (3) properties. The third one, was the charm. Thanks again, for hanging in there Michael.
Michael, started well & finished better. We attempted purchases of (3) properties. The third one, was the charm. Thanks again, for hanging in there Michael.

Andre Willis Sr.

10 months ago

Google G Posted on Google
Amy Jones
The excellent service western Ohio Mortgage provides is above and beyond, they are a 10/10
The excellent service western Ohio Mortgage provides is above and beyond, they are a 10/10

Amy Jones

10 months ago

Google G Posted on Google
Jimmy Walling
Adam did a great job with everything but, there were some stumbling blocks. I think his team could improve on the timeliness of communication with the underwriting phase of things my closing date was delayed and caused some issues with the timeline I had ...
Adam did a great job with everything but, there were some stumbling blocks. I think his team could improve on the timeliness of communication with the underwriting phase of things my closing date was delayed and caused some issues with the timeline I had in place with the 4th July holiday and the shutdown I planned to use the for my moving into our new home. Having said that I would recommend this group to my friends because my friends recommended them. Jarvie and Brandi Plotner!
Read more Hide

Jimmy Walling

10 months ago

Google G Posted on Google
Lance Longbrake
The easiest home buying process I have ever seen. Great experience, no bumps in the road, top notch service.
The easiest home buying process I have ever seen. Great experience, no bumps in the road, top notch service.

Lance Longbrake

10 months ago

Google G Posted on Google
Cheenie Kinney
Adam met our specific needs and was always available and supportive
Adam met our specific needs and was always available and supportive

Cheenie Kinney

10 months ago

Google G Posted on Google
Gordon Kinney
Excellent product for my needs. Adam Rose was always responsive and available throughout the process.
Excellent product for my needs. Adam Rose was always responsive and available throughout the process.

Gordon Kinney

10 months ago

Google G Posted on Google
Kate P
The communication was amazing! All of my questions were answered completely & timely. Adam's team is great to work with.
The communication was amazing! All of my questions were answered completely & timely. Adam's team is great to work with.

Kate P

11 months ago

Google G Posted on Google
Kofi Appau
The mortgage Officer Michael Plante was extremely helpful and very dedicated to his work. He has patience to Walk you through every single step along the way. I really appreciate everything he did for me. Western Ohio Mortgage was also up to the task Thei ...
The mortgage Officer Michael Plante was extremely helpful and very dedicated to his work. He has patience to Walk you through every single step along the way. I really appreciate everything he did for me. Western Ohio Mortgage was also up to the task Their entire team made things so much easier. I really appreciate everything you guys did. A big thumbs up 👍👍 👍👍👍👍👍 👍👍👍.
Read more Hide

Kofi Appau

11 months ago

Google G Posted on Google
Keiva Wyatt
Mica and his team were awesome! The level of professionalism, efficiency, and friendliness was top notch. Words cannot express our gratitude. Thank you Mica!!
Mica and his team were awesome! The level of professionalism, efficiency, and friendliness was top notch. Words cannot express our gratitude. Thank you Mica!!

Keiva Wyatt

11 months ago

Google G Posted on Google
Trey Maxi Official
Western Ohio Mortgage corp. Did an amazing job during my Mortgage application process and Wade Kundinger was the frontline commander! They gave it a life when it seemed dead.. Thank you for making my dream to own a first home come true! I would recommend ...
Western Ohio Mortgage corp. Did an amazing job during my Mortgage application process and Wade Kundinger was the frontline commander! They gave it a life when it seemed dead.. Thank you for making my dream to own a first home come true! I would recommend everyone this company
Read more Hide

Trey Maxi Official

11 months ago

Google G Posted on Google
Bryce Hodge
Top notch service and communication from Adam and his team at WOMC. Highly recommend!
Top notch service and communication from Adam and his team at WOMC. Highly recommend!

Bryce Hodge

1 year ago

Google G Posted on Google
Heather Minnich
Everyone was friendly, kind and patient. The team understood how stressful the process and gathering of paperwork can be. They were quick to reply to inquiries, and helpful in educating us on all our options.
Everyone was friendly, kind and patient. The team understood how stressful the process and gathering of paperwork can be. They were quick to reply to inquiries, and helpful in educating us on all our options.

Heather Minnich

1 year ago

Google G Posted on Google
Norden owusu ansah
The professionalism, advice, and patience are top-notch.
The professionalism, advice, and patience are top-notch.

Norden owusu ansah

1 year ago

Google G Posted on Google
Louis Pierre
the working method is very interesting, and methodical, easy, efficient and understandable
the working method is very interesting, and methodical, easy, efficient and understandable

Louis Pierre

1 year ago

Google G Posted on Google
Randy Winemiller
They are an excellent group of professionals.
They are an excellent group of professionals.

Randy Winemiller

1 year ago

Google G Posted on Google
Kirsten Sparks
Excellent communication, Fast replies, Wonderful staff who go above and beyond to help you get to your ultimate goal.
Excellent communication, Fast replies, Wonderful staff who go above and beyond to help you get to your ultimate goal.

Kirsten Sparks

1 year ago

Google G Posted on Google
T Moulton
Helped with all aspects of finding and execution of the best mortgage loan for my family. Friendly staff and very informative through every step of process! Would recommend to anyone!!
Helped with all aspects of finding and execution of the best mortgage loan for my family. Friendly staff and very informative through every step of process! Would recommend to anyone!!

T Moulton

1 year ago

Google G Posted on Google
Jesse McCabe
Adam, Kylie, and Kayla were awesome! From the first day I called the team has taken care of us in our every need. What a great team with great integrity!!!
Adam, Kylie, and Kayla were awesome! From the first day I called the team has taken care of us in our every need. What a great team with great integrity!!!

Jesse McCabe

1 year ago

Google G Posted on Google
Whitney Petras
Adam was wonderful, very knowledgeable and patience with us during the entire process. He truly went above and beyond!
Adam was wonderful, very knowledgeable and patience with us during the entire process. He truly went above and beyond!

Whitney Petras

1 year ago

Google G Posted on Google
kyle doak
Working with Adam and the Western Ohio Mortgage team was simple and easy. My loan was closed within 3 weeks. Adam and Western Ohio Mortgage do a lot to give back to Sidney and the surrounding area, so when it was time to look for a lender, I didn't even c ...
Working with Adam and the Western Ohio Mortgage team was simple and easy. My loan was closed within 3 weeks. Adam and Western Ohio Mortgage do a lot to give back to Sidney and the surrounding area, so when it was time to look for a lender, I didn't even consider anyone else! I highly recommend Western Ohio Mortgage Corp.!
Read more Hide

kyle doak

1 year ago

Google G Posted on Google
Racham Loritsch
The biggest thing that made my experience great was, that after normal business hours I could still contact Adam with questions regarding the loan and he would respond normally within a minute or so. For me this was very helpful during the whole process b ...
The biggest thing that made my experience great was, that after normal business hours I could still contact Adam with questions regarding the loan and he would respond normally within a minute or so. For me this was very helpful during the whole process because I worked first shift. The team at WOMC was professional and very supportive. The whole process was not all easy, but there was plenty of help the whole way through. I would happily use WOMC again if I had the need. Thank you!
Read more Hide

Racham Loritsch

1 year ago

Google G Posted on Google
Catie Collett
Adam and his team was amazing helping us through the process of buying our first home. They were very quick to answer any questions. I recommend them when looking to finance a home.
Adam and his team was amazing helping us through the process of buying our first home. They were very quick to answer any questions. I recommend them when looking to finance a home.

Catie Collett

1 year ago

Google G Posted on Google
Josiah Kramer
Loved my experience with WOMC and Adam Rose. They were very communicative and responded well to my questions as a first time home buyer. The team worked very well with me to get all the documentation they needed. They made the entire experience much easie ...
Loved my experience with WOMC and Adam Rose. They were very communicative and responded well to my questions as a first time home buyer. The team worked very well with me to get all the documentation they needed. They made the entire experience much easier and it all went very well. Thanks so much to WOMC!
Read more Hide

Josiah Kramer

1 year ago

Google G Posted on Google