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Lenders for Real Estate

All lenders are not created equal!  What we will say, it is almost always BETTER to be dealing with a lender that you 1) have history (relationship) with and 2) can meet with face-to-face, in case there are any issues.  That does not mean there are not exceptions to that; but, by far, our experience shows that Buyers who work with a lender they can meet with, call on a regular basis and make contact with, and one that has a relationship with the buyer and / or Agent is going to be more committed to getting your deal done!  Yes, it might be quick and easy to get a “online pre-approval” but believe us when we say – the costs may be very different and certainly the level of service will vary.

These are a few of our trusted lenders, depending on your specific needs and your bank history – feel free to reach out to the lenders and don’t hesitate to let them know you are working with a Realtor that referred them – so that they can keep us updated and together we can all get the best loan for the best house that fits your needs.

Union Home Mortgage logo

Justin Williams, Lender    

Justin Williams
Producing LOA Team Captain
T/F: 937.637.9990 | C: 937.367.8197
[email protected] | uhm.com/justinwilliams
LO NMLS 2030668
2717 Miamisburg-Centerville Road |
Suite 201 - Dayton, OH 45459  Union Homes Online APP


  Thrive Online APP


In addition to encouraging you to use a LOCAL lender it is also advantageous to ensure you are using the RIGHT type of LOAN for you / the house / and other particular needs.  There are a number of loan programs that might work for you and get you better rates / terms, etc. –  This breakdown of these programs is among one of the most comprehensive articles we’ve found: https://lendedu.com/blog/first-time-home-buyer-ohio/BUT – remember to talk with your Realtor and Lender to confirm which is best for YOU because loans and programs availability change.