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Whether you're buying your first home, seeking VA loans, or applying for mortgage refinancing, OnPoint Home Lending is here to help. We are one of the best mortgage lenders in Kentucky and Ohio. Our goal is to make the home loan process as straightforward as possible.

Schedule a Call With Us

Let's Start Talking!

If you have any questions about the home loan process or want to get started on your application, we'd be happy to help. Contact us or fill out our online form today, and we will be in touch shortly.

• Phone: 859-282-0220

• Email: getapproved@onpointhomelending.com

• Location: 2912 E. Gallatin Street, Burlington, KY 41005

How Can A Home Mortgage Companies Help You?

Purchasing a home is a huge financial transaction and not an easy decision to make. Choosing a mortgage company that offers favorable terms and has your best interests at heart is essential. Our expert team of loan officers can help you in many ways:

• Offer home equity loans and debt consolidation loans.

• Help improve credit report.

• Offer a competitive interest rate.

• Structure mortgage terms to help you meet your monthly mortgage payments

• Guide you through the entire home buying process and understand mortgage rates

When you're ready to start shopping for a home, we hope you'll consider OnPoint Home Lending. We have a team of experts who are ready and willing to help you every step of the way.

Your Reliable Mortgage Lenders

OnPoint Home Lending helps people finance the purchase of their homes. We work with individuals and families to get them the best possible mortgage loan that meets their needs.

We pride ourselves on being one of the most reliable mortgage companies in the business. You can be confident that you're in good hands when you work with us.

Whether you're a first-time home buyer, looking to invest in property, or wanting to refinance your existing loan products, we can help. We offer a wide range of loan programs to suit every situation, including:

• Fixed-rate mortgage loans

• Adjustable-rate mortgages

• Jumbo loans

• FHA loans

• Renovation loans

• Conventional loans or conventional mortgages

• VA or USDA loans

• Home loans

• Mortgage pre-approval

• Construction loans

• Down payment assistance

• And more!

If you're unsure which type of loan is right for you, our team can help you compare your loan options and make the best decision for your unique circumstances.

Frequently Asked Questions

What is Private Mortgage Insurance?

PMI protects the lender if you default on your loan. If you have a conventional loan and make a down payment of less than 20% of the home's purchase price, you will likely be required to pay PMI.

What Do I Need To Know About FHA Loans?

Federal Housing Administration loans are government-backed loans that require a lower down payment amount than conventional loans. These loans are available to borrowers with lower credit scores and may allow for a higher debt-to-income ratio than other loan types.

Should I Get a Mortgage Lender?

A mortgage lender is not required but is often recommended. A loan officer can help you compare different loan types and find the one that best meets your needs. They can also guide you through the entire home-buying process, from start to finish. Alternatively, you can hire a mortgage broker to connect you to a lender.