View All Learning Articles
Is December 2023 a Good Time to Buy a Home?
The 100% HELPER Act Mortgage
The $25,000 Downpayment Toward Equity Cash Grant
The Biden $15,000 First-Time Homebuyer Tax Credit
14 Grants & Programs for First-Time Home Buyers
View All Research Articles
170+ Mortgage Statistics
Generational Home Buyer Statistics
Annual HMDA Home Buyer Study
Most Popular Places for Vacation Homes In Every State
Gen Z Home Buyer Distribution By Location
Younger Millennial Home Buyer Distribution By Location
Older Millennial Home Buyer Distribution By Location
ZIP Code Invasions: Gen Z
ZIP Code Invasions: Younger Millennials
ZIP Code Invasions: Older Millennials
For the fastest response, let’s chat. Our experts are here for you 24/7.
Send us your home-buying questions to hello@homebuyer.com
Speak with a mortgage expert during business hours. (513) 824-8171
Homebuyer is deeply rooted in Over-The-Rhine, right in the heart of Cincinnati's burgeoning technology hub. We're fortunate to be neighbors with the historic Findlay Market, a testament to Cincinnati's rich history and vibrant culture. Just two blocks away, the roars from the new FC Cincinnati soccer stadium echo, symbolizing the city's passion and unity. And the esteemed University of Cincinnati stands tall just up the hill from us, a beacon of knowledge and progress.
Our location isn't just an office; it's a testament to our commitment to being part of Cincinnati's growth, development, and community spirit. Every day, we're inspired by the energy and innovation that buzzes around us. It drives us to serve our customers better and make homeownership dreams come true.
Technology and online resources form a crucial part of our service, but we also value face-to-face interactions. If you're in the area, drop by for a chat. Whether it's to discuss your homeownership aspirations, understand the mortgages better, or simply to share a story about Cincinnati, our doors are always open.
230 Findlay Street, Second Floor, Cincinnati, OH 45214 (Google Maps)
Homebuyer.com is a specialized mortgage lender that exclusively serves first-time home buyers. We are industry pioneers, acknowledging the void of practical help and advice for first-time buyers who often feel overwhelmed and underserved. To bridge this gap, we offer clear, transparent, and actionable insights without the jargon typical in the mortgage world. By dedicating our entire service model to first-time buyers, we ensure that our advice, solutions, and lending practices are particularly aligned with the challenges and opportunities they face.
Absolutely. Homebuyer.com operates as a licensed mortgage lender in partnership with Novus Home Mortgage, a division of the federally-licensed Ixonia Bank. This partnership enables us to provide a seamless lending experience. We aren't merely mortgage brokers who connect borrowers to lenders. Instead, we have the authority to lend our banking partner's funds. Our operations follow strict compliance guidelines, and our licensing credentials include: Member FDIC, Equal Housing Lender, and NMLS 423065.
Homebuyer.com goes beyond just providing advice. Unlike many other platforms that act as intermediaries or affiliate marketers, we are licensed mortgage lenders. This means we can guide you through the mortgage application process and approve, underwrite, and fund your mortgage. Additionally, our concentrated focus on first-time homebuyers guarantees that our resources, tools, and advice are tailor-made to address this group's specific challenges.
Homeownership is a transformative journey toward financial independence and generational wealth. First-time homebuyers, however, face ownership differently from other buyers. They face unfamiliar terms, processes, and decisions. Homebuyer.com simplifies buying a home and makes it feel more attainable with tailored advice, mortgage tools, and helpful resources to ensure a smooth transition from hopeful buyer to proud homeowner.
Homebuyer.com is backed by a federal bank so we offer every government-backed mortgage loan available. This includes conventional loans through Fannie Mae and Freddie Mac, FHA loans, VA loans for veterans and active members of the military, 100% USDA for home buyers in less-populated parts of the country, and more. Get pre-approved and let Homebuyer.com help you determine which mortgage loan type is best for you.
Our commitment to integrity is unwavering. At Homebuyer.com, we believe that an informed homebuyer is an empowered one. We have constructed our editorial framework around pillars of clarity, empowerment, and rigorous fact-checking. Every piece of advice, every article, and every tool undergoes meticulous scrutiny by industry experts. We recommend diving into our Editorial Guidelines to understand our rigorous standards.
Education forms the backbone of Homebuyer.com's mission. Recognizing the complexity of the home-buying journey, especially for novices, we've meticulously curated a vast resource hub. This includes a regularly updated YouTube channel where mortgage professionals and market experts demystify daunting real estate concepts. We also boast an extensive article repository featuring in-depth research, evolving market trends, and actionable advice. Moreover, for those seeking structured guidance, our interactive online courses offer a step-by-step walkthrough of the entire home-buying process.
First-time home buyers should get pre-approved before anything else. It takes less than 3 minutes. After, we'll assign an experienced loan guide to help with your budget, and optionally pair you with a real estate expert to guide you through the next steps.
No, Homebuyer.com operates on the ethos that foundational knowledge should never come at a prohibitive cost. Keeping this in mind, we've ensured that our plethora of educational content, ranging from insightful videos to detailed articles and courses, is universally accessible and free. Similarly, our pre-approval pathway is structured to be fee-less, allowing you to venture into the housing market with a clear financial outlook without upfront financial impediments.
While our pre-approval system is notably rapid, often yielding results in minutes, the comprehensive mortgage approval process is more nuanced. Factors such as your unique financial footprint, the intricacies of the property in question, and the readiness of requisite documentation play a role. Regardless of these variables, our dedicated team adopts a proactive stance, ensuring a transparent, efficient, and expedited approval journey.
Embracing technology doesn't mean sidelining the human touch. At Homebuyer.com, we marry the efficiency of digital tools with the warmth of human interaction. Our team of mortgage experts stands ready to address your queries, concerns, and clarifications. Whether it's a brief question about our tools or an elaborate discussion on mortgage dynamics, we're here for you. And for those seeking specialized advice, our CEO, Dan Green, continues to be a hands-on guiding force.
In an increasingly digital world, safeguarding sensitive information is non-negotiable. Homebuyer.com adopts a fortress-like approach to data security. Harnessing advanced encryption methods, top-tier cybersecurity protocols, and regular audits, we ensure that your personal and financial data remains sacrosanct. This unwavering commitment to security serves as a testament to our dedication to fostering trust and transparency.
The landscape of homeownership is dotted with incentives, rebates, and programs for first-time buyers. From local grants to federal tax incentives to specialized lending programs, we stay abreast of the latest offerings so you don't have to.
We've created multiple way for home buyers to stay in the know. Our YouTube channel is updated daily. Our email newsletter is a rich source of exclusive market analysis, evolving trends, and company announcements. Bookmarking this website and following our active social media channels for real-time updates ensures you're always a step ahead.
Stay connected with Homebuyer on LinkedIn for access to our top-tier content and timely market commentaries. Delve into in-depth articles that maximize your purchasing range and give you insider tips to save on fees. Our LinkedIn curates essential information and provides content you won't find anywhere else. Give yourself an edge with expert home-buying advice and first looks at emerging market trends.
SubscribeDive into the Homebuyer.com YouTube channel for comprehensive video guides crafted for first-time home buyers. Got questions about cash grants for first-time buyers and new mortgage programs with low down payments? Our YouTube breaks its down into easily digestible viewing. From updates on the latest housing bills to everyday advice, our channel is your visual, home-buying encyclopedia. Subscribe to be a better first-time buyer.
SubscribeElevate your home-buying journey with the Homebuyer.com email newsletter. Sent weekly, each edition delves deep into mortgage and real estate news, offering opinion, analysis, and actionable insights. Our emails arm you with home-buying skills that go beyond the surface.Be more than just a buyer - be an informed buyer. Buy your first home with confidence. Subscribe to our newsletter today.
SubscribeWe value every interaction, whether you're a prospective homebuyer or a potential partner. This section is for you if you're not currently using our services but have something to share or propose.
Vendors & Collaborations
Interested in partnering with us or offering a service? Email us at inquiries@homebuyer.com.
Media & Press
For media requests and press-related matters, visit our Press section.
Writers
Homebuyer.com does not print or publish content from freelance writers. Read more in our Editorial Guidelines.
Please note: To ensure efficiency and prioritize the needs of first-time buyers, inquiries via this section may have longer response times. We appreciate your understanding and patience.
Finding your dream starts here. Apply in minutes.
Mortgage Rate Assumptions
The Homebuyer.com mortgage rates shown on this page are based on assumptions about you, your home, and the state where you plan to purchase. The rate shown is accurate as of , but please remember that mortgage rates change without notice based on mortgage bond market activity.
The Homebuyer.com mortgage rates shown on this page are based on assumptions about you, your home, and the state where you plan to purchase. The rate shown is accurate as of {{ formatDate(rates[0].createdAt) }}, but please remember that mortgage rates change without notice based on mortgage bond market activity.
Our mortgage rate assumptions may differ from those made by the other mortgage lenders in the comparison table. Your actual mortgage rate, APR, points, and monthly payment are unlikely to match the table above unless you match the description below:
You are a first-time buyer purchasing a single-family home to be your primary residence in any state other than New York, Hawaii, and Alaska. You have a credit score of 660 or higher. You are making a down payment of twenty percent and using a 30-year conventional fixed-rate mortgage. You earn a low-to-moderate household income relative to your area.
The information provided is for informational purposes only and should not be confused for a mortgage rate commitment or a mortgage loan approval.
Legal Disclosures
{{ rate.lender }}. The {{ formatRate(rate.thirtyYearFixed) }} mortgage rate ({{ formatRate(rate.apr) }} APR) shown above for {{ rate.lender}} is based on information published on the lender's website and retrieved on {{ formatDate(rate.createdAt) }}. According to its website, {{ rate.lender }}'s published rate requires home buyers to pay {{ formatPoints(rate.points) }} points at closing, totaling {{ formatDollars(rate.cost) }}, on an example {{ formatDollars(rate.loanAmount) }} 30-year fixed-rate conventional mortgage. Its mortgage rate assumes the home buyer will make a {{ formatDollars(rate.downPayment) }} downpayment or larger and purchase a single-family residence. Its mortgage rate also assumes that the home buyer will have a credit score of {{ rate.fico }} or higher. The monthly payment for the mortgage with the above terms is {{ formatDollars(rate.monthlyPayment) }} for 360 months, plus taxes and insurance premiums. {{ rate.lender }} provides this information for estimation purposes only and does not guarantee accuracy. Your mortgage rate, APR, loan size, and fees may vary.