Mica James

NMLS # 638185 LO.052926.000

513-280-8723

mj@westernohiomortgage.com

Mica James Branch Manager

Blog

What is the Difference Between Pre-approval and Pre-qualification?

What is the Difference Between Pre-approval and Pre-qualification?

When it comes to mortgages, there are two similar sounding terms that often confuse potential homebuyers: pre-qualification and pre-approval. While they are alike in some ways, their purposes are different. If you are looking to get a mortgage,

Jun 27, 2018 | First-time Homebuyers Purchasing a Home

4 Things Every Borrower Needs to Know About Mortgage Brokers

4 Things Every Borrower Needs to Know About Mortgage Brokers

Buying a home in Ohio, whether for the first time or the last, is an exciting event. Yet before you even take a look at a single home for sale, it is a smart idea to have your mortgage financing lined up. While it is possible to get a home loan directly w

Jun 20, 2018 | mortgage brokers

Should I Rent or Buy?

Should I Rent or Buy?

While homeownership has long been the American dream, buying a home is not necessarily the best choice for every person or every situation. There are many factors to consider in determining if a home purchase is the right decision for you right now. Can

Jun 14, 2018 | Purchasing a Home

4 Reasons You Don’t Want to Pay PMI

4 Reasons You Don’t Want to Pay PMI

Years ago, a 20% down payment was a requirement for obtaining a mortgage loan. Putting that much money down made it less likely that borrowers would simply default on their home loans and gave lenders a measure of security and collateral in the case of fo

Jun 07, 2018 | First-time Homebuyers

USING A TAX RETURN TO PURCHASE A HOME!

USING A TAX RETURN TO PURCHASE A HOME!

Are you ready for your tax return? What are you planning to do with it? Did you know that you can use it to purchase a home? Western Ohio Mortgage Corporation offers home purchase programs that require little to no money down! Click Here for Mor

Mar 10, 2017 | bankruptcy FHA Home Loans Ohio Top Lender tax return USDA

10 Commandments When Applying for a Mortgage Loan

10 Commandments When Applying for a Mortgage Loan

10 Commandments When Applying for a Mortgage Loan Thou shall not change jobs or become self-employed. Thou shall not buy a car, truck or van unless you plan to live in it. Thou shall not use your credit cards or let your payments fall behind. Thou s

Apr 03, 2015 | FHA Rehabilitation Home Loans Real Estate Ohio Rural Development USDA Mortgage News