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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.Β 

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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

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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!

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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!

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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
Understanding Your True Monthly Mortgage Cost in 2025

Understanding Your True Monthly Mortgage Cost in 2025

Oct 23, 2025

Understanding mortgage payments beyond principal and interest. Discover hidden costs like property taxes, insurance, and PMI that impact your monthly budget.

Is Now the Right Time for a Home Equity Line of Credit?

Is Now the Right Time for a Home Equity Line of Credit?

Oct 21, 2025

Learn when a Home Equity Line of Credit makes financial sense, the risks involved, and how to evaluate if now is the right time for a HELOC.

Combination Mortgages: Eliminate Private Mortgage Insurance

Combination Mortgages: Eliminate Private Mortgage Insurance

Oct 16, 2025

Learn how combination mortgages work, their advantages and disadvantages, and whether this financing strategy is right for your home purchase.

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
327 reviews
Write a Review
Brandon Beinker
Adam made this transaction so easy! He was able to meet a time constraint, and keep it very professional!
Adam made this transaction so easy! He was able to meet a time constraint, and keep it very professional!

Brandon Beinker

5 days ago

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winemakr
We have been working with Western Ohio mortgage for years. Adam and everyone there has helped us get our house several years ago in Sidney oh and then after I retired, I moved back here to this side of Ohio and they've been very helpful in getting us thro ...
We have been working with Western Ohio mortgage for years. Adam and everyone there has helped us get our house several years ago in Sidney oh and then after I retired, I moved back here to this side of Ohio and they've been very helpful in getting us through this home purchase.they went above and beyond. And it doesn't matter where in Ohio you are from, give these guys a call, you won't regret it.
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winemakr

2 weeks ago

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Cynthia Fischer
WOMG was amazing!! Everyone was so friendly and super helpful! Kayla and Kylie rock with their process and getting everything ready for underwriting...everyone made this a smooth and pleasant transition within 30 days!! We are in our new home and couldn't ...
WOMG was amazing!! Everyone was so friendly and super helpful! Kayla and Kylie rock with their process and getting everything ready for underwriting...everyone made this a smooth and pleasant transition within 30 days!! We are in our new home and couldn't be more blessed!! Thank you Adam and Justin and the whole crew You Rock!!!
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Cynthia Fischer

2 weeks ago

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CHRISTY Lemaster
Adam and his team were wonderful to work with! He updated us during every step of the loan process. Kylie and Kayla were extremely helpful and answered all of my questions clearly and quickly, they made the loan process painless and quick. With their expe ...
Adam and his team were wonderful to work with! He updated us during every step of the loan process. Kylie and Kayla were extremely helpful and answered all of my questions clearly and quickly, they made the loan process painless and quick. With their expertise we were able to close in just 17 days.
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CHRISTY Lemaster

1 month ago

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Abby High
Adam and his team were excellent to work with. They made the whole process easy and answered any questions promptly. Great experience overall!
Adam and his team were excellent to work with. They made the whole process easy and answered any questions promptly. Great experience overall!

Abby High

2 months ago

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Blaze Clark
Quick and easy to refi our current mortgage. We've always gone to Adam and his team for our home loan needs. Always a pleasure to work with.
Quick and easy to refi our current mortgage. We've always gone to Adam and his team for our home loan needs. Always a pleasure to work with.

Blaze Clark

2 months ago

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Zachary Rasnake
Adam and his team were excellent to work with during the entire loan process. They informed me during each piece of the process, and made sure to communicate all the details of what was happening at each point so that I was looped into what was occurring, ...
Adam and his team were excellent to work with during the entire loan process. They informed me during each piece of the process, and made sure to communicate all the details of what was happening at each point so that I was looped into what was occurring, and being a first time home buyer I appreciated the detailed information and steps I was receiving. I felt informed and cared for during the entire process, and Adam and his team were extremely professional and courteous throughout everything.
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Zachary Rasnake

2 months ago

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Carlos Benitez
exelente thank you .....
exelente thank you .....

Carlos Benitez

2 months ago

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Candice Campbell
Had terrible credit before and needed help to buy a home they helped a lot
Had terrible credit before and needed help to buy a home they helped a lot

Candice Campbell

2 months ago

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Ghislaine Tene
I had a great experience! They make sure everything goes smooth and make it easy to follow through. I definitely recommend them!
I had a great experience! They make sure everything goes smooth and make it easy to follow through. I definitely recommend them!

Ghislaine Tene

2 months ago

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Austin Vest
Adam and his team at Western Ohio are true pros at what they do. Every time I have worked with them the process has been seamless and to the point. They are quick to respond and to get the job done. I highly recommend them!
Adam and his team at Western Ohio are true pros at what they do. Every time I have worked with them the process has been seamless and to the point. They are quick to respond and to get the job done. I highly recommend them!

Austin Vest

2 months ago

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Laura Stonebraker
Jim Luana is fantastic to work with! Highly recommend!
Jim Luana is fantastic to work with! Highly recommend!

Laura Stonebraker

3 months ago

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chanceman122
As a first time home buyer I had a lot of questions and not one went unanswered. The process as a whole was made simple and easy With fast and Direct communication while accommodating my busy schedule.
As a first time home buyer I had a lot of questions and not one went unanswered. The process as a whole was made simple and easy With fast and Direct communication while accommodating my busy schedule.

chanceman122

3 months ago

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Cody
Adam and his staff were very responsive and proactive about getting my loan closed! Highly recommend for all your mortgage needs!
Adam and his staff were very responsive and proactive about getting my loan closed! Highly recommend for all your mortgage needs!

Cody

3 months ago

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Kyle
Great place! Friendly and very helpful. Thank you for all the help! Will be sending everyone i know your way!
Great place! Friendly and very helpful. Thank you for all the help! Will be sending everyone i know your way!

Kyle

4 months ago

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Nancy Anyankwah
My mom and I had a great experience with Western Ohio Mortgage Corp. We had a smooth and stress-free experience the entire mortgage process. The team worked seamlessly together, which really helped create a better, more efficient experience overall. Commu ...
My mom and I had a great experience with Western Ohio Mortgage Corp. We had a smooth and stress-free experience the entire mortgage process. The team worked seamlessly together, which really helped create a better, more efficient experience overall. Communication was clear and timely every step of the way, and everyone we interacted with was friendly, helpful, and genuinely cared about making the process easy for us. We truly felt supported throughout. Thank you for making such an important milestone feel effortless!
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Nancy Anyankwah

4 months ago

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Jeni Paxson
Adam was a pleasure to work with! He was very responsive throughout the entire process and helpful with any questions I had. Adam has a great personality which makes his so easy to talk too! The team was easy to work with as well and also very quick to re ...
Adam was a pleasure to work with! He was very responsive throughout the entire process and helpful with any questions I had. Adam has a great personality which makes his so easy to talk too! The team was easy to work with as well and also very quick to respond. I will definitely come back in the future and will recommend WOMC to anyone interested in purchasing a home! 10/10 across the board!
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Jeni Paxson

4 months ago

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Matthew Martin
Very great group of people would recommend to anyone!!!
Very great group of people would recommend to anyone!!!

Matthew Martin

4 months ago

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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

5 months ago

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James
He is great and will let you understand everything. Answer calls whenever you need him πŸ‘πŸΎ
He is great and will let you understand everything. Answer calls whenever you need him πŸ‘πŸΎ

James

5 months ago

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Vanessa Petty
Absolutely terrific experience for a very inexperienced homebuyer!!!
Absolutely terrific experience for a very inexperienced homebuyer!!!

Vanessa Petty

5 months ago

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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

5 months ago

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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

6 months ago

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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

6 months ago

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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

6 months ago

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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

6 months ago

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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

6 months ago

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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

6 months ago

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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

8 months ago

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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

8 months ago

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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

10 months ago

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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.
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Tiffany B

10 months ago

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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

11 months ago

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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

11 months ago

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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!
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Noah S

1 year ago

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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.
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kimberly winget

1 year ago

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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

1 year ago

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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.
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Bret Boll

1 year ago

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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

1 year ago

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B W
Very knowledgeable. Highly recommend!
Very knowledgeable. Highly recommend!

B W

1 year ago

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

Dandelion Moon

1 year ago

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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

1 year ago

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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

1 year ago

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Scott Freeman
Great communication, excellent service and a pleasant experience.
Great communication, excellent service and a pleasant experience.

Scott Freeman

1 year ago

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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

1 year ago

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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

1 year ago

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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

1 year ago

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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.

1 year ago

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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

1 year ago

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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!
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Jimmy Walling

1 year ago

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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

1 year ago

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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

1 year ago

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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

1 year ago

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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

1 year ago

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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 πŸ‘πŸ‘ πŸ‘πŸ‘πŸ‘πŸ‘πŸ‘ πŸ‘πŸ‘πŸ‘.
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Kofi Appau

1 year ago

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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

1 year ago

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