The Columbus housing market is characterized by its balance of affordability and growth. With major employers like Ohio State University, Nationwide Insurance, and a growing tech industry, the city attracts new residents while maintaining a relatively stable housing market. The median home price of $280,000 makes it an attractive option for both first-time buyers and those looking to upgrade or downsize.

• The Short North and German Village are popular neighborhoods for their vibrant atmosphere and historic charm.
• Clintonville and Grandview Heights offer family-friendly environments with good schools.
• Dublin, while technically a suburb, is closely tied to Columbus and offers highly rated schools and amenities.

NMHL offers a range of mortgage products tailored to Columbus homebuyers' needs. Our options include conventional loans, FHA loans, VA loans for veterans, and specialized programs for self-employed individuals or those with complex income situations. We also offer down payment assistance programs to help with the upfront costs of homeownership.

For first-time buyers, we can guide you through Ohio Housing Finance Agency (OHFA) programs that provide down payment assistance and other benefits. Our experienced mortgage professionals will work with you to find the best fit for your financial situation and homeownership goals.

As a Columbus homeowner, you'll need to consider property taxes and insurance as part of your overall housing costs. The average effective property tax rate in Columbus is 1.62%, which is slightly above the national average. While this adds to the cost of homeownership, the relatively low median home price helps keep overall expenses manageable.

Homeowners insurance is also a crucial consideration. NMHL can provide guidance on how to factor these costs into your mortgage planning. We work with trusted insurance providers to help our clients find competitive rates that fit their budget.

At National Mortgage Home Loans, we're committed to providing more than just a mortgage. We offer personalized service, local market expertise, and a range of mortgage products designed to meet the unique needs of Columbus homebuyers. Our team understands the local dynamics, from the impact of Ohio State University on the housing market to the nuances of different Columbus neighborhoods.

Whether you're a first-time buyer or an experienced homeowner, we're here to guide you through every step of the mortgage process. From pre-approval to closing, our goal is to make your homebuying experience as smooth and stress-free as possible.