Ohio VA Loans


Ohio - VA Mortage

If you’re an Ohio resident who is a Veteran or service member, and you’re looking for a competitive home loan, you have come to the right place.

Ohio VA loans are the most cost effective way to finance a home. Here at VAMortgage.com we are focused on make your dream of owning a home a reality.

In this post we’ve gathered a list of information you can use to get the Ohio VA loan process started.

Qualifying for a VA Loan in Ohio

If your looking to qualify for a VA loan in Ohio there are a few requirements you should know. You must be one of the following:

  • Traditionally, service members who served on active duty for 90 days during wartime or 181 days during peacetime, but more recently a minimum of 2 years of service have been typical VA loan requirements.
  • National Guard members or reserves who served at least six years.
  • Unremarried surviving spouse of a service member killed in duty.
  • Veteran honorably discharged due to injury.

There are a number of other VA loan requirements that come into consideration but these are typically a good starting point.

If you know you qualify and you’re ready to take advantage of your VA Loan, get your Certificate of Eligibility or fill out the VA Home Loan Application.

Feel free to get in touch with a VA Mortgage representative by filling out the form or giving us a call at 800-211-4940.

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Ohio VA Loan Limits and Statewide Median Prices

Ohio VA Loan Limit: $417,000

Ohio Median Home Price: $110,000

The VA does not have an exact ceiling for how much you can borrow to finance your home, but it typically peaks at just over $400,000, depending on county limits.  What affects your loan limit is the amount of liability the VA can assume.  VA loan limits in Ohio vary from city to city and county to county. Since we knew you may be curious, we put a list together of some of the major cities in Ohio and their median home prices. (For updated loan limits, click here)

Median Home Prices for Major Ohio Cities

Akron (median home price: $115,200)  The fifth largest city in Ohio with a median home price of approximately one-fourth the maximum VA loan limit for the area is Akron. Located along the Little Cuyahoga River and south of Lake Erie, Akron was originally founded in 1825. Home to about 200,000 residents, Akron is a great town for veterans who seek an attractive, affordable city. Akron is home to several major employers including the Summa Health System and the Goodyear Tire and Rubber Company. The maximum VA loan limit is well above the median price of $115,200 so eligible veterans can take advantage of the VA loan program to buy and finance a home in Akron.

Cincinnati (median home price: $131,300)  Along the north shores of the Ohio River is Cincinnati.  With a population of more than 300,000, Cincinnati is home to a diverse collection of employers, such as Proctor & Gamble, Kroger, Macy’s, and Fifth Third Bank. This diversity provides a wide range of employment possibilities making for an attractive spot for veterans. The median home price for Cincinnati is one of the highest in the state but is still well below the maximum VA loan limit for Ohio.

Cleveland (median home price: $116,300)  The city with the largest population in Ohio is Cleveland. Covering more than 80 square miles and resting on the southern shores of Lake Erie, Cleveland first established itself as a major manufacturing center. Today the economy is much more diversified, far beyond the original steel industry, to include new technology to NASA facility in Cleveland. The largest employer in the area is the highly regarded Cleveland Clinic with more than 38,000 employees. Cleveland is an ideal spot for veterans with a variety of outdoor entertainment, sports, and fine arts facilities. Veterans can use their VA home loan benefit for most properties in the greater Cleveland area as the maximum VA limit is $417,000.

Dayton (median home price: $96,900)  With a population of nearly 150,000, Dayton is the sixth largest city in Ohio, and when you include Dayton and its surrounding metropolitan statistical area, it becomes the fourth largest concentration of residents. Located in the southwest corner of Ohio, veterans appreciate the affordable home values. The economy in Dayton is diversified as well with major employers such as LexisNexis, Premier Health Partners, and Kettering Health Network.

Toledo (median home price: $96,000)  Toledo is situated near the west banks of Lake Erie with Michigan as its neighbor. Toledo was founded in the late 1800s and benefited from the formation of the Erie Canal. Similar to Dayton, Toledo’s median home price is also below $100,000 and its economy is fueled by the automotive and glass industries. The University of Toledo and Bowling Green State University are located in Toledo as well. Toledo’s proximity to Lake Erie and the surrounding region provides its residents with an abundance of outdoor activities.

Statistics stated above can change daily, without notice.  For update statistics visit:
zillow.com for Median Home Pricing Information
city-data.com for Population & Income Statistics

Ohio Military Bases

Defense Supply Center Columbus
3990 E Broad Street
Columbus, OH 43213
1- 614-692-7220

USAREC, Cleveland Battalion
US Army Recruiting Battalion Cleveland
US Bank Centre
1350 Euclid Avenue
Cleveland, OH 44115

USAREC, Columbus Battalion
US Army Recruiting Battalion Columbus
3990 East Broad Street
Columbus, OH 43213
1- 614-693-2910

Wright-Patterson AFB
2000 Allbrook Drive
Wright-Patterson AFB, OH 45433
1- 937 257-3592

Ohio Regulatory Agency

Ohio Department Of Commerce
Division Of Financial Institutions
77 South High Street
21st Floor
Columbus, OH 43215