Mortgage broker in Youngstown, Ohio

Home loans in Youngstown

Youngstown is the center of the valley, with Youngstown State University, Mill Creek Park, and some of the most affordable housing in the country. It is a major investor market, and we finance everything from a first owner-occupied home on the West Side to a growing portfolio of two-to-four unit rentals.

Youngstown housing and what it means for your loan

Brick colonials and bungalows across the North, South and West sides, plus a deep inventory of duplexes and four-units. Low purchase prices mean minimum loan amounts and condition can matter more than in other markets.

Programs Youngstown buyers use most

• DSCR loans for rental properties, no tax returns required
• FHA for owner-occupied 2 to 4 unit homes with 3.5% down
• Conventional for homes in Youngstown and the near suburbs
• Cash-out refinances to pull equity for the next purchase

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

Why Youngstown 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 Youngstown 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.

Youngstown mortgage questions

Is there a minimum loan amount for a Youngstown home?

Some lenders set minimums; our panel includes lenders who close smaller loans so lower-priced homes are still financeable. Ask us before you write an offer.

Can I buy a Youngstown duplex and live in one side?

Yes. FHA allows 3.5% down on 2 to 4 units when you occupy one, and rental income from the other units can help you qualify.

How do DSCR loans work for Youngstown rentals?

The loan qualifies on the property's rent versus its payment. No personal income documentation, which makes it fast and repeatable for investors.

Nearby communities we serve

Boardman, Austintown, Struthers, Hubbard, Niles, 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.