Business Details
29 Years
experience
Emergency
services
Your Trusted Cincinnati Mortgage Lending Partner
Founded in 1997, McKinley Mortgage has established itself as a trusted Cincinnati-based mortgage lender serving Ohio and Kentucky. Our commitment to personalized service and financial expertise has allowed us to help thousands of clients achieve homeownership and financial stability through refinancing solutions. With over two decades of experience navigating market fluctuations, including the 2008 mortgage crisis, we maintain rigorous lending standards while prioritizing client relationships. Our team of licensed professionals specializes in conventional, FHA, VA, and first-time homebuyer programs, offering flexible terms for borrowers with varying credit profiles.We distinguish ourselves through transparent advice, same-day approvals, and convenient home closings, as evidenced by our numerous client testimonials praising our responsive service and competitive rates. Our leadership team, including owner Paul Luck and sales manager Dirk Franz, brings decades of combined industry experience to every client interaction.
Services
Home Loans
Refinancing
FHA Loans
VA Loans
Debt Consolidation
Home Improvement Loans
First-Time Buyer Programs
Details
- Year established: 1997
Highlights and features
- We offer 22+ years of local mortgage lending expertise
- Our team listens to understand individual financial situations
- We provide same-day loan approvals and home closings
- We've survived multiple economic cycles since 1997
- Our advisors prioritize long-term client relationships over transactions
What people say
Exceptional service
Professional team
Pleasant experience
Great rates
Available after hours
Services
Home Loans
We provide comprehensive home purchase financing solutions with flexible terms for conventional, FHA, and VA loans. Our process includes personalized pre-approvals, competitive rate options, and convenient home closings. Our experienced loan officers guide clients through every step of the home buying journey.
Refinancing
Our refinancing options help homeowners reduce payments, shorten loan terms, or access home equity. Services include rate-and-term refinancing, cash-out options, and debt consolidation solutions. We specialize in helping clients with credit challenges achieve better financial positions.
FHA Loans
We offer FHA-insured mortgage programs requiring as little as 3.5% down payment. These loans accommodate lower credit scores and provide flexible qualification standards. Our team specializes in helping first-time buyers navigate FHA program requirements.
VA Loans
We provide 100% financing options for eligible veterans and service members through VA-guaranteed loans. Our process includes specialized support for military borrowers, competitive rates, and streamlined documentation requirements.
Debt Consolidation
Our debt consolidation services combine high-interest obligations into single, manageable mortgages. We help clients reduce monthly payments while improving overall financial health through strategic loan structuring and personalized counseling.
People
Paul Luck
Owner/Operations Manager
With over 25 years in mortgage lending, Paul Luck leads McKinley Mortgage's operations. He maintains an open-door policy for client communication and oversees loan approval processes. His leadership has guided the company through multiple market cycles since 1997.
Dirk Franz
Sales Manager/Loan Officer
Licensed since 2003, Dirk Franz specializes in refinancing solutions and customer education. He has helped clients save thousands through strategic loan restructuring. His team handles document preparation and closing logistics efficiently.
Frank Johnson
Senior Mortgage Loan Originator
As a senior loan officer with 15+ years' experience, Frank Johnson focuses on first-time homebuyer programs and credit rehabilitation. He assists clients in improving financial standing through tailored mortgage solutions and credit counseling.
Becky Ayers
Processing Manager
Becky Ayers manages loan documentation and client communication throughout the mortgage process. Her team ensures efficient paperwork handling and timely closing coordination for all loan types.
Jeff Stires
Senior Loan Officer
Jeff Stires specializes in conventional loan programs and debt consolidation strategies. He provides personalized mortgage advice to help clients achieve financial goals through responsible lending practices.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, and first-time homebuyer loans with down payment options starting at 3%. Our programs accommodate credit scores as low as 580.
Can I qualify with less-than-perfect credit?
Yes, we specialize in helping borrowers with credit challenges. Our flexible underwriting considers individual circumstances beyond credit scores alone.
What are the benefits of refinancing?
Refinancing can lower payments, reduce loan terms, consolidate debt, or provide cash for home improvements. We help determine the best option for your financial goals.
Do you service the Cincinnati area only?
We primarily serve Ohio and Kentucky, including the Tri-State area. Our local expertise extends to multiple counties across both states.
How quickly can you process a loan?
We offer 24-hour preliminary approvals and typically close loans within days, not months, with streamlined documentation and efficient processing.
What credit score do you require?
We accept scores as low as 580 for FHA loans, 640 for conventional loans, and work with clients to improve credit profiles when needed.
