06/02/2026
🏡 Did you know some Ohio homebuyers may qualify for rates as low as 3.50% through OHFA programs?
I’ve been getting a lot of questions about these rates, and yes—they are real for eligible borrowers under certain OHFA programs.
But before everyone gets too excited, there are a few things to understand:
✅ Not everyone qualifies
✅ Income and purchase price limits may apply
✅ Credit and underwriting requirements still matter
✅ Rates can change at any time
One thing many buyers don’t realize is that you often have options:
📉 Lower interest rate = lower monthly payment, but you may need more money upfront.
💰 Down payment assistance = less cash needed at closing, but the interest rate may be a little higher.
Neither option is automatically better. It really depends on your goals, savings, and what puts you in the strongest financial position.
I’ve helped buyers use grants and assistance programs to purchase homes with much less money out of pocket, and for some buyers, these programs can be the difference between buying now and waiting years.
If you’re curious about whether you qualify for OHFA, down payment assistance, or other first-time homebuyer programs, send me a message. I’d be happy to point you in the right direction and connect you with a great lender.
🏠 Homeownership may be closer than you think!
Realtor
