Loan Officers

• Lisa Bailey
• Tom Zirm
• Joyce Womacks

Financial Centers

• Old Fort Banking Company-Xenia Financial Center
• Old Fort Banking Company-Sugarcreek Financial Center
• Old Fort Banking Company-Tiffin Westgate Financial Center

Pages

• Home
• Download Your Ebook
• Legal
• About Us
• Loan Process
• Select Loan Officer
• Home Purchase
• Review Us
• Loan Programs - Adjustable Rate Mortgage
• Loan Programs - Graduated Payment Mortgage
• Loan Programs - FHA Loans
• Loan Programs - VA Loans
• Loan Programs - Jumbo Loans
• Loan Programs - Interest Only Mortgage
• Loan Programs - Conventional Loans
• Loan Programs - Fixed Rate Mortgage
• Loan Programs - Usda Loans
• Thank You
• FAQ
• Contact Us
• Home Refinance
• Loan Programs
• Testimonials
• Mortgage Basics - Credit
• Mortgage Basics - Private Mortgage Insurance
• Mortgage Basics - Closing Costs
• Mortgage Basics - Refinance
• Mortgage Basics - Appraisals
• Mortgage Basics - Foreclosure
• Mortgage Basics - Glossary
• Mortgage Basics - Application Checklist
• Mortgage Calculators
• Mortgage Basics
• LHP-Sample-Landing-Page
• Construction Loan Page Test
• Tiffin Westgate
• Findlay
• Fremont
• Old Fort
• Sugarcreek
• Bettsville
• Clyde
• Fostoria
• Xenia
• Construction Loans
• Downtown Tiffin
• Financial Center Locations

Blog Posts

• Why Now Is the Time to Apply for a Mortgage
• Mortgage Rates Hit 4-Month Lows: What This Means for You
• Buying vs. Renting in 2025: Why Homeownership Still Wins
• Home Prices Are Rising—But That’s a Good Thing!
• Thinking About Moving in 2025? Here’s How to Make It Happen!
• How the Latest Executive Order and Mortgage Rates Impact Homebuyers in 2025
• Celebrating American Resilience: A Look at Recent Mortgage Rate Trends
• What to Save for When Buying Your Home
• Expert Predictions for the 2025 Housing Market
• How to Buy a Home with Low Income: Yes, It’s Possible!
• Affordable Homeownership: 6 Questions to Help Lower Costs
• Fall for Savings: Why the Holiday Season Might Be the Best Time to Buy a Home
• Why It Might Be Time to Trade Living with Your Parents for a Place of Your Own
• Mortgage Rates, Inflation, and a Buyer-Friendly Market: How to Navigate Your Next Home Purchase
• What the Fed’s Expected Rate Cut Means for You—and Four Key Questions to Watch
• Debunking Scary Myths About Buying a Home
• How Non-QM Loans Work: A Smart Alternative for Non-Traditional Borrowers
• Is Now the Right Time to Refinance Your Mortgage?
• The Surprising Factors That Could Make Your Home Worth More!
• How to Beat Inflation and Buy the Perfect Home: 6 Hacks for Savvy Buyers
• Your Home’s Hidden Value: How Much Equity Can You Borrow Today?
• Interest Rates Are Dropping: Here’s What It Means for Your Loans and Savings
• How to Dodge the Top 3 Mortgage Blunders in Today’s Market
• The Housing Market Shift You Didn't See Coming—Is Your Dream Home Finally Within Reach?
• 2025 Real Estate Forecast: The Surprising Truth About Buying Now!
• Locking In Your Mortgage Rate: Why and When to Lock it
• Understanding Inflation: What It Means for Homebuyers and Those Considering Refinancing
• Busting the Biggest Myths About Buying a Home in 2024
• Is a Second Mortgage Right for You? The Benefits and Pitfalls Explained
• New vs. Existing: Why a Newly Built Home Could Be the Better Deal
• Revamping Your Mortgage: Knowing When to Refinance for Homebuyers
• Navigating Refinance Appraisals with Confidence
• Tax Deductibility of Home Equity Loans in 2024
• Is Your Dream Neighborhood in a Buyer's Market? Here's How to Find Out
• Understanding Your FICO Score: Key to Better Home Loan Rates
• The Biggest Mistakes Potential Homebuyers are Making Right Now
• Avoid These 5 Expensive Kitchen Mistakes When Buying Your First Home
• Understanding Hazard Insurance: What Homeowners Need to Know
• Tips for Buying a Home at a Lower Cost
• 9 Home Buying Myths Debunked – Don’t Fall for These Common Traps!
• Understanding the Differences Between Mortgage Insurance and Homeowners Insurance
• 5 Ways You Might Actually be Sabotaging Your Homebuying Efforts
• Why You Need a Real Estate Agent When Buying a Home
• Demystifying Home Loans: The Scoop on Conventional and Non-Conforming Loans
• Navigating the Mortgage Rate Dilemma: Should You Wait or Buy Now?
• Balancing Act: The Art of Compromise in Home Buying
• Navigating Home Buying with Elevated Mortgage Rates: 10 Mistakes to Avoid
• Don't Wait Another Minute: Here's Why NOW is the Perfect Time to Buy Your Dream Home!
• Second Time's the Charm: Navigating Your Next Home Purchase
• The Smart Path to Downsizing: Making the Most of Your Retirement
• "When Should I Consider a Cash-Out Refi?"
• Mortgage Partnership: The Power of Co-Signing on a Mortgage
• Navigating Home Inspections: A Buyer's Guide to Uncovering Hidden Issues
• Mastering Your Mortgage Journey: The Importance of FICO Score 8
• Navigating the New Norms: 4 Rules for Home Shopping in Today's Market
• How Declining Mortgage Rates Are Changing the Real Estate Landscape
• Navigating Closing Costs with Confidence: 4 Tips to Save on Your Home Purchase
• Navigating the Mortgage Maze: 10 Crucial Do's and Don'ts After Applying
• Joint Homeownership: The Essentials of Co-Borrowing on a Mortgage
• Smart Moves in New Builds: Your Guide to Successful Homebuying
• Navigating the Renovation Maze: Mortgage Insights for Fixer-Upper Buyers
• The Homebuyer's Dilemma: To Wait or Act Fast in 2024?
• Mortgage Insights: Today's Fed Pause and What It Means for Homebuyers
• Don't Let Rates Ruin Your Home Dreams: 7 Sneaky Ways to Beat High Mortgage Numbers!
• VA Home Loans: The Path to Achieving Homeownership Dreams
• Autumn Home TLC: Fall Home Maintenance Made Easy!
• From Dreams to Reality: How Government Home Loans Make Homeownership Attainable
• Avoid These Common Mistakes When Buying a Home: Tips for Veterans
• Rebuilding Your Dream Home: Getting a Mortgage After Chapter 13 Bankruptcy
• Six Sneaky (and Costly) Warning Signs to Watch for When House Hunting
• Embracing Affordability and Togetherness: The Benefits of Buying a Multi-Generational Home
• ARM Loans: Risk vs Reward - Making Smart Home Financing Choices
• Cash Flow Tips: Creative Ways to Monetize Your Home Beyond Equity!
• Here's Why Multi-Family Units Are the Real Estate Game Changer You Need!
• How Do You Know That Fixer-Upper is a Dream --Or a Money Pit!
• Exploring the World of Multifamily Homes: Your Path to Real Estate Wealth
• Student Loan Payments Resuming October: How Stay on Track to Your Homeownership
• From Bargain Hunting to Home Buying: 4 Savvy Tips to Smart Homebuyers
• Beware of Bad Mortgage Advice: Don't Get Duped by These Common Myths!
• Breaking Down Big Loans: How To Tell if it's Time for a Jumbo Loan
• Exploring Bridge Loans: A Close Look at This Home Financing Option
• Crucial Considerations: Key Questions to Ask Yourself About Home Prices and Mortgage Rates
• Essential Do's and Don'ts After Applying for a Home Loan
• Earnest Money vs. Down Payment: What's the Difference?
• A Guide to Buying a New Home: What You Need to Know
• Avoid the Money Pit: 5 Costly Home Features You Can Probably Do Without
• How Many Times Can You Use Your VA Loan Benefits? The Surprising Answer!
• The Remote Worker's Guide to Securing a Mortgage
• Building Credit for Your Dream Home: 5 Clever Tips (Minus the Credit Cards!)
• How Mortgage Points Can Lower Rates and Make Payments More Affordable
• House Hunting: Finding the Perfect Price Tag for Your Dream Home
• Does Pre-Approval Really Matter in Home Shopping? The Answer May Surprise You
• 7 Surprising Things You Can Negotiate With Home Sellers to Get the Home You Deserve
• Buying a Home Rather Than Renting Still Makes Sense and Here's Why
• Get the Best of Both Worlds: The Role of Mortgage Pros and Real Estate Agents in Buying a Home
• Thinking About Waiting to Buy? You May Want To Think Twice!
• Decoding Homeowners Insurance: How Much Coverage Do You Need?
• Waiting For Home Prices To Drop Dramatically? Here's Why You Shouldn't Wait
• Why Condos are a Great Homeownership Option this Spring
• 20% Down May Not Be The Right Move For You - Here's Why
• Navigating Home Buying and Budgeting During Inflation: Mastering It for Success
• Get Ready for the Spring Homebuying Season with These 5 Home Buying Tips
• How to Profit from Buying a Home Now Despite Rising Rates
• Homebuying Help: How Downpayment Assistance Programs Work
• What's the Max Debt-to-Income (DTI) Ratio for a Mortgage?
• Should You Close Credit Cards Before Applying for a Mortgage?
• Does Having a Student Loan Affect a Mortgage Pre-Approval?
• Your Mini-Guide To Buying A Condo
• What Most First-Time Homebuyers Wish They Knew Before Their Purchase
• Simple Budgeting Tips: Getting Ready To Own Your First Home
• Benefits of a New Construction vs Existing Home
• What's Really Going On In the Market? Get Real Answers From Your Local Mortgage Advisor
• Get The Facts: Will Pre-Approval Hurt My Credit?
• How Working With A Mortgage Professional Can Save You Money
• Best Ways to Leverage Your Home Equity
• The Perks of Living in a Multigenerational Home
• Choosing the Best Mortgage Options for Unique Circumstances
• 10 Things to Check Before Buying in a New Neighborhood
• Add Instant Curb Appeal With These Ideas
• Thinking About Relocating? How to Choose Where to Live
• Top Ways to Raising Your Credit Score --Fast!
• Why Buying A Home Still Makes Better Financial Sense Than Renting
• Tips for Saving Thousands on Your Home Purchase
• Are We Entering a Buyer’s Market? Signs to Watch Out For
• Making Sense of the Current Housing Market
• Watch Out for these Red Flags When Buying a Home “As Is”
• Concessions You Can Get Even In A Seller’s Market
• What Does a Home Inspector Look For in a Home You Want to Buy?
• 2022 Real Estate Market Predictions
• How To Save For A Down Payment on a Tight Budget
• Here’s Why The Current Housing Market Isn’t Like 2008
• How To Buy and Sell Your Home As a Military Family
• Feds Hike Interest Rate: What This Means for Mortgages, Car Loans, and More
• Best Home Loan Options for Single Parents
• Who Qualifies for Down Payment Assistance?
• How Do Second Mortgages Work?
• Factors To Consider When Purchasing a Home as an Unmarried Couple
• What’s the difference between private mortgage insurance and mortgage insurance premium?
• Is It Possible to Buy a Condo with a VA Loan?
• Buying Mortgage Points: Is It Worth It?
• Things to Consider When Deciding to Rent or Buy Your First Home
• Getting Ready To Buy A Retirement Home: Things To Consider
• Better Alternatives To Withdrawing From Your Retirement
• Your Guide To Buying A Home When You Have Bad Credit
• Your Guide To Paying Down Credit Card Debt With A Home Equity Loan
• How Can I Get Approved for a Mortgage as a Contract Employee?
• Step By Step Guide To Getting Your Credit Ready For A Mortgage
• Learn The Difference Between A Home Equity Loan vs. HELOC
• 5 Mistakes Newbie Investors Make When Buying A House To Flip
• How Do You Get A Mortgage For A Rental Property?
• How Do Non-QM Loans Work?
• What Are The Closing Costs For A VA Loan?
• How Does A Mortgage Underwriter Verify Income?
• How To Spot A Reverse Mortgage Scam
• What’s The Minimum Credit Score For VA Home Loan Approval?
• How To Deduct Mortgage Interest From Your Taxes
• Guide To Qualifying For A Mortgage As A Non-U.S. Citizen
• "Can I Buy Land And Build A House With An FHA Loan?"
• “Can I Use My Equity To Buy Another House?”
• Closing Costs: What Are They and How Much Will You Pay?
• Is Buying a Foreclosure Smart for a First-Time Buyer?
• "How Do I Get a Mortgage Loan If I'm Self-Employed"
• Can I Be Turned Down A Home Loan After Pre-Approval?
• Can You Get a Cashback on an FHA Loan?
• Is Title Insurance Necessary for a Home Purchase?
• Can You Buy A Home Without A Credit Score?
• How Do Mortgage Lenders Decide How Much You Can Borrow?
• How Does a Home Improvement Loan Work?
• Which One Is Better? An FHA Or Conventional Loan?
• "How Much Money Do I Need to Buy My First Home?"
• Should I Buy a Move-In Ready Home or Fixer-Upper?
• How Does APR Work In A Mortgage Payment
• Debunking 5 Myths About VA Home Loans
• Everything You Need to Know to Refinance Your Mortgage
• The Top 4 Reasons to Buy a Multi-Unit Property
• Is A No-Closing-Cost Refinance The Best Option For You?
• Who Qualifies For A Reverse Mortgage?
• Discover Your Home Equity Options
• What Does It Mean To Cosign On A Mortgage?
• How Much Down Payment Do You Need To Buy A Home?
• Thinking About Refinancing Your Investment Property? Read This
• What is DTI and How It Affects Your Mortgage Application
• Prequalified And Pre-approved: What's the Difference?
• Learn About Deducting Mortgage Interest From Your Taxes
• FHA or VA Loan: Which is Better For Veterans?
• Exploring The Pros and Cons Of An Interest-Only Mortgage Loan
• New Credit And How It Affects Your Credit Score
• All About Liens and Home Loans
• Is Buying A Home With Bad Credit A Smart Choice?
• Is Buying A Home Without Real Estate Agent A Good Idea?
• How Does A Home Equity Line Of Credit (HELOC) Work?
• Does Getting Preapproved For A Home Loan Matter?
• What Does A Title Company Do?
• What Is A Second Mortgage and Its Benefits?
• Get the Facts About Escrow Shortages
• The Basics of Buying A Foreclosed Home
• Your Guide to Refinancing Your Condo
• Home Inspection 101: A Homebuyer’s Guide
• How To Remove Mortgage Insurance From Your Home Loan
• 5 Best Renovations to Increase Your Home's Value (Plus 3 Worst)
• Secrets to Winning A Bidding War In Real Estate
• New FHA Loan Limits for 2021
• Does Buying A House Help Raise Your Credit Score?
• First-Time Home Buyers Must Avoid These Mistakes
• "How Long Does It Take To Purchase a Home?"
• "Is a Home Equity Loan Right For Me"
• What Do Fannie Mae And Freddie Mac Actually Do?
• Earnest Money Deposit Versus Good Faith Deposit: What's The Difference?
• Helpful Hints For Buying A New Condo From A Developer
• What Are Origination Fees and Can They Be Avoided?
• What Every Homebuyer Needs to Know About Home Sale Contingencies
• Your Guide to Managing Your Credit Score
• Should You Buy Property in the City or Suburbs in 2021?