Mortgage broker in Austintown, Ohio

Home loans in Austintown

Austintown is a large, established township west of Youngstown with Austintown Fitch schools, the Route 46 corridor, and quick access to I-80 and I-76 for commuters. It is a solid market for first-time buyers and move-up families alike.

Austintown housing and what it means for your loan

Mostly 1950s to 1990s single-family homes with a mix of ranches, split-levels and colonials, plus newer developments near Four Mile Run Road. Prices sit between Youngstown and Canfield, so conventional 3% to 5% down covers most buyers.

Programs Austintown buyers use most

• Conventional 3% down for first-time buyers
• FHA for flexible credit and down payment
• VA for veterans and Air Reserve Station personnel
• Refinance and cash-out for existing owners

See all loan programs: Conventional, FHA, VA, USDA, Jumbo, DSCR, bank statement, renovation, refinance and cash-out.

Why Austintown buyers choose a broker

A bank offers one set of rates and guidelines. As a broker we shop your file across our lender panel, so a Austintown buyer with a smaller down payment, self-employment income, or an investment property gets matched to the lender that actually wants that loan. You get one point of contact, Rollin Gosney, from pre-approval through closing. Broker vs. bank, explained.

Austintown mortgage questions

Do you offer down payment assistance in Austintown?

We work with Ohio Housing Finance Agency programs and lender-funded options where you qualify. We will show you the real cost of each next to a standard loan.

How much do I need for closing costs?

Plan on roughly 2% to 4% of the purchase price. Seller credits and lender credits can reduce what you bring to the table.

Can I refinance an FHA loan to drop mortgage insurance?

Often, yes, once you have about 20% equity. We run the break-even so you know whether it pays.

Nearby communities we serve

Youngstown, Canfield, Boardman, Niles, Warren, and the rest of Mahoning, Columbiana and Trumbull counties. All Ohio service areas.

Licensing

Gosney Mortgage Group LLC, NMLS #1779150. Ohio Residential Mortgage Lending Act Certificate of Registration RM.804367.000. Rollin Gosney, NMLS #1775528. Equal Housing Opportunity. 22½ S. Main St, Columbiana, OH 44408.