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Western Ohio Mortgage prides itself in it's knowledgeable staff. WOMC is particularly proud of it's command of the government sector of financing. While we offer dozens of mortgage products, there are several which we consider our specialty. Among those are FHA loans. This product is available with a 2.25% downpayment and allows for higher than usual debt ratios as well as credit latitude. Further, it allows for all downpayment monies to be gifted to the borrower or to come from a grant such as the Nehemiah Foundation and Ameridream. Another popular WOMC product is through the Veterans Administration. There is NO DOWNPAYMENT required with this product. With an experienced VA staff, WOMC can lead the veteran through the entire process, from obtaining a certificate of eligibility to obtaining a Loan Guarantee. Veteran loans allow for eligibility as recent as two years after a bankruptcy and also gives the veteran both debt and credit latitude. One of WOMC's most sucessful products is the Rural Development Loan. This loan product allows for a borower to purchase a home with NO DOWNPAYMENT and seller paid closing costs. The program has liberal income limits and allows for homeownership as recent as three years after bankruptcy. There are a small number of geographical locations that are not eligible for the program due to size of population. Your WOMC mortgage consultant will be able to provide you with additional information. Need to do repairs? Want to purchase a "fixer upper"? Our renovation products allow borrowers to make repairs or improvements to their existing property or to a property they plan to purchase. The wonderful thing about renovation products is that they allow Western Ohio Mortgage to tap into the home's "future value". So if you have been putting off repairs because you have no equity or if the house you want to purchase needs some work, let us show you how to tap into the homes improved value. Of course we also offer a wide variety of conventional products at extremely competitive rates and same day approval! This includes our 103 program which allows borrowers with excellent credit to finance 100% of the purchase price plus an additional 3% to cover all closing costs! We also offer conventional products with as little as 3% down, as well as loans for borrowers with less than perfect credit who need assistance in financial transition.