Questions?

Call us at 800-736-8485

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. 

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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
9601
How Much Are Closing Costs in Ohio?

How Much Are Closing Costs in Ohio?

Apr 12, 2026

Learn how much closing costs are in Ohio for buyers and sellers, with cash-to-close examples, county fees, and ways to lower upfront costs.

How Much House Can You Afford on a $70K Salary?

How Much House Can You Afford on a $70K Salary?

Apr 09, 2026

Learn how much you can afford on a $70,000 salary. Understand lender guidelines, monthly payment estimates, and factors that influence home affordability.

Understanding VA Loan Options for Veterans

Understanding VA Loan Options for Veterans

Apr 07, 2026

Learn about the different types of VA loans available, including VA purchase, IRRRL refinance, cash-out refinance, and Native American Direct Loan programs.

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
4.9
360 reviews
Emily Solomon
Clear communication and understanding to all my questions. This was my second time going through WOMC. Everyone was friendly and went out of their way to help. Justin helped multiple times when he wasn't even in office. We appreciate all the help to get u ...
Clear communication and understanding to all my questions. This was my second time going through WOMC. Everyone was friendly and went out of their way to help. Justin helped multiple times when he wasn't even in office. We appreciate all the help to get us into our home☺️
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Emily Solomon

3 days ago

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Zack Cox
Adam was incredibly helpful throughout the entire home-buying process. He answered all my questions, offered great advice, and genuinely showed that he cared every step of the way.
Adam was incredibly helpful throughout the entire home-buying process. He answered all my questions, offered great advice, and genuinely showed that he cared every step of the way.

Zack Cox

1 week ago

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Seth Stoodt
This was our second time using WOMC for our purpose of purchasing a home. This can be one of the more stressful times of one's life and Western Ohio Mortgage makes the process very easy. With a whole team to handle all of the different processes they will ...
This was our second time using WOMC for our purpose of purchasing a home. This can be one of the more stressful times of one's life and Western Ohio Mortgage makes the process very easy. With a whole team to handle all of the different processes they will not lead you astray. It is nice to have a team of caring members to stay in contact with to keep the process flowing smoothly. Thank you.
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Seth Stoodt

3 weeks ago

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Erin H
Adam is very prompt with communicating and helped us problem solve quite a few times.
Adam is very prompt with communicating and helped us problem solve quite a few times.

Erin H

1 month ago

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Emma Moritz
Adam and his team made the entire home buying process a breeze. Endless help and communication whenever we needed it. Kind and responsive which was great as we communicated primarily through email, which was ideal for us. Th ...
Adam and his team made the entire home buying process a breeze. Endless help and communication whenever we needed it. Kind and responsive which was great as we communicated primarily through email, which was ideal for us. They are professional but personable enough that speaking with them was easy. As a young couple purchasing their first home, we felt heard and knew they would answer any questions we had. We are happy to have gotten to work with this team. Thank you so much Adam, Justin, Kylie and Kayla!
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Emma Moritz

2 months ago

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Nick Overbey
Great communication went above and beyond to get the deal done! Highly recommend them very Friendly Trustworthy and willing to do what it takes!
Great communication went above and beyond to get the deal done! Highly recommend them very Friendly Trustworthy and willing to do what it takes!

Nick Overbey

2 months ago

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Stephanie Wix
Amazing people to work with very helpful definitely worth it in the end now I have a beautiful home to call my own thank you so much
Amazing people to work with very helpful definitely worth it in the end now I have a beautiful home to call my own thank you so much

Stephanie Wix

2 months ago

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Dawn Dagger
Working with Justin was a pleasure. Everyone was incredibly easy to work with and extremely polite. They explained everything thoroughly and made the process super smooth. 100% would recommend.
Working with Justin was a pleasure. Everyone was incredibly easy to work with and extremely polite. They explained everything thoroughly and made the process super smooth. 100% would recommend.

Dawn Dagger

3 months ago

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Dustin Gardner
Chad Perk at WOMC was GREAT to work with! Responsive, Honest and Knowledgeable. We could not have asked for a better experience with our Construction to Perm Refinance. THANKS Chad!
Chad Perk at WOMC was GREAT to work with! Responsive, Honest and Knowledgeable. We could not have asked for a better experience with our Construction to Perm Refinance. THANKS Chad!

Dustin Gardner

3 months ago

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Cody
I can't say enough good things about Adam and his team. Just completed a refinance with them. Adam is very responsive, knowledgeable and willing to go the extra mile!
I can't say enough good things about Adam and his team. Just completed a refinance with them. Adam is very responsive, knowledgeable and willing to go the extra mile!

Cody

3 months ago

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William Stewart
Adam and his team were great to work with. They helped me through the process and made the experience as positive as possible.
Adam and his team were great to work with. They helped me through the process and made the experience as positive as possible.

William Stewart

4 months ago

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Ebbe Smith
10 out of 10 recommend Western Ohio mortgage. Adam is great to work with, always open communication and answers emails very quickly. Makes the refinancing process or homebuying process very easy to deal with, and everything is mostly sent electronically s ...
10 out of 10 recommend Western Ohio mortgage. Adam is great to work with, always open communication and answers emails very quickly. Makes the refinancing process or homebuying process very easy to deal with, and everything is mostly sent electronically so it is an easy process to understand and get paperwork signed very quickly. He also answers any questions that you may have, to the best of his knowledge or the best of his ability, if not, then he gets back with you In a timely manner to get your questions answered.
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Ebbe Smith

4 months ago

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Gina Canida
Very responsive and knowledgeable.
Very responsive and knowledgeable.

Gina Canida

4 months ago

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Daniela Ohls
Thank you so much to all team Western Ohio Mortgage for all help and special to Adam for explain me everything and guide me step-by-step at closing.
Thank you so much to all team Western Ohio Mortgage for all help and special to Adam for explain me everything and guide me step-by-step at closing.

Daniela Ohls

4 months ago

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David Paul
Everyone was great communicating what was needed and helped when we had questions or needed to make changes.
Everyone was great communicating what was needed and helped when we had questions or needed to make changes.

David Paul

4 months ago

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Greg Routzahn
We did most of the process online and through email. Quick to respond to questions with knowledge and logic. Made everything smooth and as easy as possible. Great group to work with.
We did most of the process online and through email. Quick to respond to questions with knowledge and logic. Made everything smooth and as easy as possible. Great group to work with.

Greg Routzahn

5 months ago

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Browns Fan Since 1972
Chad went above and beyond for us.After discovering our former mortgage company screwed something up and chad took the time to figure out exactly what it was. He is the best!
Chad went above and beyond for us.After discovering our former mortgage company screwed something up and chad took the time to figure out exactly what it was. He is the best!

Browns Fan Since 1972

5 months ago

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colby ransbottom
Adam and his team are the best! Very knowledgeable and friendly! They do care about their customers! Highly recommended!
Adam and his team are the best! Very knowledgeable and friendly! They do care about their customers! Highly recommended!

colby ransbottom

5 months ago

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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 months 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

6 months 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

6 months 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

7 months 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

7 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

7 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

7 months ago

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

Carlos Benitez

8 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

8 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

8 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

8 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

8 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

9 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

9 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

9 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

10 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

10 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

10 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

10 months ago

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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

10 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

11 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

11 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

11 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

11 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

11 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

11 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

11 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

11 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

1 year 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

1 year 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

1 year 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

1 year 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

1 year 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

1 year 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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Ohio Mortgage Company | Mortgage Brokers | Home Loans

A More Trusted Way to Compare Mortgage Companies and Mortgage Brokers in Ohio

If you're searching for a mortgage company in Ohio or comparing mortgage brokers in Ohio, the real question usually is not just who can quote a rate. It's who will explain your options clearly, help you understand the real cost, and guide you from preapproval to closing without all the guesswork. Western Ohio Mortgage helps buyers across the state compare conventional, FHA, USDA, VA, jumbo, refinance, and first-time buyer options with local guidance rooted in Sidney.

Most Ohio buyers are not making one small decision. They're weighing payment, cash to close, loan structure, timing, and long-term fit all at once. The right mortgage partner makes that process feel clearer, calmer, and easier to trust before you commit to the wrong home search or the wrong financing strategy.

Last reviewed: April 12, 2026 Written by Adam J. Rose, VP / Senior Loan Officer NMLS #870301 | Company NMLS #9601 Serving Ohio homebuyers since 1999
Ohio homebuyers standing in front of their new home with keys in hand
Local roots in Sidney. Guidance across Ohio. Western Ohio Mortgage helps Ohio buyers compare loan options, understand costs clearly, and move from preapproval to keys with more confidence.
4.9 stars Google rating with 360 reviews as of April 12, 2026.
Since 1999 Helping Ohio buyers navigate home financing with a first-time-buyer mindset from the start.
4 Ohio offices Sidney, Lima, Mason, and Lebanon offer local roots with support for buyers across Ohio.
Loan options that fit Conventional, FHA, USDA, VA, jumbo, refinance, and first-time buyer options in one place.

Compare With Confidence

How do you choose the best mortgage company in Ohio?

The best mortgage company in Ohio is usually the one that helps you compare the right loan structure, not just the one that markets the most aggressively. Buyers should compare written Loan Estimates, lender-controlled fees, rate structure, likely cash to close, and how clearly the team explains the process. A lower headline rate can still become the weaker deal if fees, points, or timing make the total transaction less favorable.

Compare the same scenario in writing

Make sure you are reviewing the same occupancy, loan type, down payment, and rough purchase strategy across lenders so the comparison is actually fair.

Ask about cash to close, not just payment

Many buyers get surprised by upfront costs. A strong mortgage company should help you estimate down payment, lender fees, title costs, and likely prepaids before you commit.

Pay attention to responsiveness

A mortgage process usually feels better when the lender explains documents, timelines, and next steps clearly instead of leaving you to guess between milestones.

Broker Or Bank?

Is it better to use a mortgage broker or a bank in Ohio?

Buyers often search for mortgage brokers in Ohio because they want flexibility and comparison, while others start with a bank because it feels familiar. In practice, the better fit depends on whether you need broader side-by-side comparison, whether you already know the loan path you want, and how much guidance you need as you move from research into preapproval.

Option Often fits What buyers like What to verify
Mortgage broker Buyers who want broader comparison across available loan paths Flexibility and the chance to review multiple structures side by side How the written Loan Estimate, fees, and timing compare in practice
Bank or credit union Buyers who already want to begin with one institution Familiarity and a single-institution process Whether staying in one lane hides a stronger or cheaper fit elsewhere
Direct mortgage company Buyers who want a mortgage-focused process and clearer specialization Dedicated home-loan guidance and mortgage-specific workflow How well the company explains total cost, qualifying path, and timeline confidence

That's one reason many experienced buyers compare official Loan Estimates before choosing who to trust. The better lender relationship is usually the one that makes the loan easier to understand, not harder.

Loan Options

What home loan options do Ohio buyers usually compare?

Ohio buyers rarely need only one generic answer. A strong lender should help match the mortgage path to the buyer's goals, property location, reserves, and timeline.

Ohio homebuying and closing cost guidance Upfront-cost planning matters

Before choosing a lender, many buyers want to know what the closing-day numbers will actually look like.

How much are closing costs in Ohio
Mortgage affordability planning for Ohio homebuyers Payment planning beats guesswork

Buyers who understand monthly payment and budget range early usually make better lender and home-search decisions later.

Use WOM loan calculators
Conventional loans

Often fit buyers who want long-term flexibility and a standard purchase structure.

Ohio FHA loans and Ohio USDA mortgage

Often matter for buyers comparing lower-down-payment or more flexible qualification paths.

First time home buyers in Ohio

Help buyers understand assistance, affordability, requirements, and what preapproval should happen before house shopping.

Common Questions

Frequently asked questions from Ohio homebuyers

How do I compare mortgage companies in Ohio the right way?

Compare the same loan scenario across multiple written Loan Estimates, then review rate, APR, lender-controlled fees, likely cash to close, and closing timeline. The lender that explains those numbers clearly is usually more valuable than the one that only markets a low rate.

Can I get preapproved before I choose a house?

Yes. Preapproval often makes the home search safer because it gives you a realistic price range, expected payment, and likely cash-to-close picture before emotions get tied to a specific property.

Does Western Ohio Mortgage work with first-time homebuyers?

Yes. Western Ohio Mortgage was founded with sensitivity to the needs of first-time homebuyers and helps buyers compare loan programs, assistance options, and next-step planning before they shop too far or too tight.

What should I review before choosing a mortgage broker or lender?

Review the written estimate, total fees, timeline confidence, likely cash to close, and whether the loan officer is clearly explaining how the structure fits your goals. Buyers can also verify credentials through NMLS Consumer Access.

Next Step

Ready to compare the right mortgage path for your Ohio home purchase?

If you want help choosing between a mortgage broker, a bank, or a direct mortgage company, Western Ohio Mortgage can walk through the structure, likely payment, fees, cash to close, and timeline before you get too deep into the wrong loan strategy.

Visit Us

Western Ohio Mortgage in Sidney

Western Ohio Mortgage Corporation
733 Fair Rd.
Sidney, OH 45365
800-736-8485