Business Details
28 Years
experience
Trusted Mortgage Brokers in Cincinnati, OH
Since 1998, Mortgage House of America has dedicated itself to excellence in the mortgage industry. As a locally-owned business, we prioritize client needs through personalized service and deep expertise in residential lending. Our team of seasoned professionals, including President Mike Burroughs with nearly 50 years of experience, leverages strong relationships with local and national lenders to deliver competitive loan solutions.We specialize in navigating complex financial markets to secure optimal outcomes for clients in Cincinnati, Northern Kentucky, and beyond. Our commitment to transparency, ethical practices, and continuous support ensures a seamless mortgage process tailored to individual circumstances.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Refinance Loans
Construction Loans
Adjustable Rate Mortgages
Reverse Mortgage Loans
Mortgage Pre-Approval
Details
- Year established: 1998
Highlights and features
- We offer over 25 years of experience in mortgage services.
- Our team consists of certified loan officers with at least a decade of experience.
- We provide competitive rates through partnerships with local and national lenders.
- Our deep local market knowledge ensures tailored solutions for Cincinnati and Northern Kentucky clients.
- We prioritize personalized service, guiding clients smoothly through the mortgage process.
Services
Conventional Loans
Conventional loans offer competitive rates and flexible terms for borrowers with strong credit. Ideal for primary residences, second homes, or investments, these loans require 5-20% down. We provide fixed-rate options from 10 to 30 years, ensuring stability with consistent payments throughout the loan term.
FHA Loans
FHA loans enable low-down-payment financing (as low as 3.5%) for first-time buyers and those with lower credit scores. Insured by the Federal Housing Administration, these loans include mortgage insurance to reduce lender risk while expanding homeownership opportunities for qualified applicants.
VA Loans
VA loans provide zero-down financing for eligible veterans, active-duty personnel, and surviving spouses. Guaranteed by the U.S. Department of Veterans Affairs, these loans feature competitive rates, no private mortgage insurance, and flexible qualifying criteria to support military families.
USDA Loans
USDA loans offer 100% financing for homes in eligible rural and suburban areas. Backed by the U.S. Department of Agriculture, these loans target low-to-moderate-income borrowers seeking affordable homeownership options with no down payment requirements.
Jumbo Loans
Jumbo loans cater to high-value properties exceeding conventional loan limits. These non-conforming mortgages feature fixed or adjustable rates for borrowers with strong financial profiles, enabling financing for luxury homes or properties in high-cost markets.
People
Michael Burroughs
President
With nearly 50 years of industry experience, Michael Burroughs leads Mortgage House of America, leveraging local networking and residential lending expertise to drive strategic growth and client satisfaction.
Sarah Blemker
Office Manager
Sarah Blemker oversees daily operations, ensuring efficient service delivery and client support. Her organizational expertise maintains the company's commitment to streamlined mortgage processes.
Ben Drummer
Sr. Loan Consultant
Ben Drummer provides expert loan guidance with over a decade of experience, specializing in tailored financing solutions for diverse client needs and market conditions.
Mitch Preston
Mortgage Consultant
Mitch Preston assists clients in securing optimal mortgage terms, combining market knowledge with personalized service to simplify the home financing journey.
Janice Bentley
Manager, Processing AVP
Janice Bentley leads processing operations, ensuring accurate documentation and compliance while maintaining the company's focus on timely, client-centric mortgage approvals.
Questions
What is the difference between pre-qualification and pre-approval?
Pre-qualification is an initial assessment based on self-reported financial information. Pre-approval involves a thorough review of credit, income, and assets, providing a stronger position when making a home offer.
What are the benefits of a VA loan?
VA loans offer zero-down payments, no private mortgage insurance, competitive rates, and flexible qualifying criteria for eligible veterans, active-duty service members, and surviving spouses.
Can I refinance my home with a USDA loan?
Yes, USDA loans allow refinancing up to 100% of the home's value, providing low fixed rates and flexible terms for eligible rural and suburban homeowners.
How do adjustable-rate mortgages work?
Adjustable-rate mortgages (ARMs) have initial fixed-rate periods followed by annual rate adjustments based on market conditions, offering lower initial rates with potential variability over time.
What documentation is required for FHA loans?
FHA loans require proof of income, two years of tax returns, bank statements, valid ID, and proof of residency, with a minimum 3.5% down payment and mortgage insurance.
